hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-08-15
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: U.S. BANCORP

Complaint:
XX/XX/XXXX, I was sent a copy of change of terms letter -dated XX/XX/XXXX, from us bank concerning XXXX change, from XXXX XXXX rewards visa credit card to XXXX XXXX world MasterCard , which stated the new card would be received between mid-XX/XX/XXXX and XX/XX/XXXX, by me.letter stated that my old Visa card would deactivated 60 days after my old card is issued or 30 days after I activated my MasterCard.i never was sent my new XXXX XXXX MasterCard by late XX/XX/XXXX.my XXXX XXXX Visa card was carelessly deactivated by us bank-XXXX, at least.late XX/XX/XXXX.i could not make purchases and my automatic payments were  found to be rejected, in late XX/XX/XXXX and XX/XX/XXXX and probably XX/XX/XXXX.us bank and XXXXboth lied on change of terms letter, because I finally called us bank to ask why my card would function, then I was told by a representative that my XXXX XXXXXXXX   Visa card had been deactivated, even though I had not received my new XXXX XXXX MasterCard by XX/XX/XXXX - XX/XX/XXXX.i had to request a new XXXX XXXX MasterCard in XX/XX/XXXX,  but advertisement latter that the new card arrived withinhad XX/XX/XXXX marked on bottom of letter.us bank representative falsely told me that I would receive two XXXX XXXX rewards cards in mail, but I only received the XXXX XXXX MasterCard from XX/XX/XXXX requested order, which means no new MasterCard was sent to me, in XX/XX/XXXX-XX/XX/XXXXas stated on XX/XX/XXXX letter.i had no new MasterCard to issued, at time of XX/XX/XXXX nor did I posses a new MasterCard to activate 30 days before  deactivation.therefore, my automatic payments were being rejected, changed, etc. and could not make purchases with my deactivated XXXX XXXX card.after, activated my XXXX XXXX MasterCard in mid to late XX/XX/XXXX, then all my automatic payments obligations needed to charge double for my needed insurance and health care discountaccounts, therefore, all three automatic payments overdrew my new XXXX XXXXXXXX MasterCard. Why did us bank and XXXX abuse me, in this way?

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 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I'M HAVING PROBLEMS WITH ACCOUNTS REPORTING ON MY CONSUMER FILE THAT ARE CAUSING ME TO NOT BE ABLE TO PURCHASE A NEW HOME.

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 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE

Complaint:
On XX/XX/2022, I used my Barclays Mastercard to pay the XXXX XXXX  {$4000.00}. On XX/XX/2022, we authorized XXXX XXXX  and XXXX to pay Barclays Bank Delaware {$4000.00}, not knowing that our account had been traded to XXXX XXXX Bank. I contacted both banks in XXXX  when I got a statement from XXXX showing a balance due. Barclays told me any money rec 'd would be transferred to XXXX. In XXXX, I contacted XXXX after getting another statement. They told me that my problem is with Barclays. I contacted Barclays and was told to fax or mail copies of proof of payment wire transmissions. I did both. In XXXX I emailed the same documents to Barclays after receiving another statement. After receiving my XXXX statement I contacted XXXX. They told me I should pay, " for my own good '', rather than " fight the good fight ''. Also in XXXX I was finally able to open a dispute case with Barclays. This had to be done by a supervisor since I technically no longer had an account with them. Later in XXXX, I contacted XXXX and gave them the Barclays dispute number. I also sent both banks a trace number for the wire transfer that I got from my local bank. I was told that this number carried more weight than the proof of payment I sent them in XXXX. It is my understanding that Barclays has my money. I have asked them to either pay me or pay XXXX. I got another statement from XXXX, which is now charging me interest. I filed a complaint against Barclays with the XXXX XXXX XXXX  which got me a phone call from " The Office of the President '' of Barclays. I re-sent them all of my documents but after their review they stated that they can't help me since the account had been traded and that I needed to contact XXXX. I asked for proof that they paid XXXX  on my behalf, since I proved that I paid them but they can't help me since the account has been traded.

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 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY

Complaint:
Since XXXX, my name has been used for different loans and credit cards for different amounts of money. However, I got my XXXX number XX/XX/XXXX. I have only one debt with XXXX financial as of XX/XX/XXXX. When I log in to check my credit, there is XXXX account open in my name, that I did not open.

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 2018-07-09
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: SYNCHRONY FINANCIAL

Complaint:
I belong to a website that states my credit information and there are two separate hard inquiries on my account that do not belong to me. Someone is trying to steal 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 non-monetary relief
Consumer complaint received 2023-08-22
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, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
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:
Dear Sir/Madam, I am writing to bring to your attention a matter of utmost importance regarding a fraudulent account listed on my Experian credit report. I kindly request your intervention in rectifying this erroneous information and ensuring its immediate removal, as it is adversely affecting my creditworthiness and financial well-being. 

Account Details : Name of the account : XXXX XXXX XXXX Account number : XXXX Date it was opened : XX/XX/XXXX Fraudulent charges totaling : {$94.00} I want to emphasize that I have never had any dealings or financial transactions with XXXX XXXX XXXX. Upon discovering this fraudulent account, I promptly contacted XXXX XXXX XXXXXXXX on the XXXX of XX/XX/XXXX to address the issue. I was informed by their representative that this account should not be reported on my credit history and that it was a clear case of fraudulent activity. 

As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are prohibited from reinserting deleted items on a credit report unless the creditor explicitly requests their reinstatement. Failure to comply with this provision would constitute a violation of my rights as a consumer. 

I kindly urge you to take immediate action to remove this fraudulent account from my Experian credit report, as its presence not only tarnishes my credit history but also creates unnecessary financial burdens and restricts my access to credit. 

I trust in your commitment to upholding consumer rights and ensuring the accuracy and integrity of credit reports. I request that you conduct a thorough investigation into this matter and expedite the removal of the fraudulent account from my credit report within the shortest possible timeframe. 

Furthermore, I kindly request that you provide written confirmation of the removal once the necessary action has been taken. Additionally, if any additional documentation or information is required from my end to facilitate this process, please do not hesitate to reach out to me promptly. 

I appreciate your attention to this matter and your prompt assistance in rectifying this unjust situation. Thank you for your understanding and cooperation. 

Yours 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 explanation
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I got a credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct this error and only received 1 notification back after that no other response was made to 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 2017-09-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center

Complaint:
On XXXX/XXXX/XXXX I saw on social media that " students who attended XXXX XXXX be eligible for student loan forgiveness '' and cite Obama student loan programs with urls that upon research do not exist. On XXXX/XXXX/XXXX I was contacted by an unlisted number XXXX XXXX XXXX XXXX XXXX XXXX. They ask if you have a job currently and have at least {$10000.00} in debt. They ask for very personal information like being able to access your XXXX login which contains SSNs. They ask for very steep payments for the first 4 months and after that they claimed my loan payments monthly would drop to {$20.00}. They then sent a contract to me stating they are the " Premier Student Loan Center '' and asked for bank or credit card information. On XXXX/XXXX/XXXX I coincidentally received information from XXXX XXXX about the danger of loan scammers. This prompted me to contact the Department of Education and speak to their representatives about these third parties and if any are legitimate. I spoke to a man named XXXX who said that these scams have been an issue and though they have not heard of this particular " company '' it 's likely a scam because the DOE does not work with third parties and that all of their forgiveness programs are free of charge. As soon as I contacted the sir who initially tried to set me up with their program, XXXX XXXX who 's company direct line is XXXX XXXX XXXX XXXX XXXX XXXX, to cancel he tried to reassure me the program was legitimate. He assured me that the DOE does n't normally " take civilian calls '' and the the number for the DOE given to me by the BBB when I was researching the PSLC with them, was not correct. I responded I would do more research still and then make my decision. I was then contacted by a " XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX, that he is the " program processor '' and inquired about my tax documents. At this point I fully believed I was being scammed and requested the contract cancelled and all my information deleted as of XXXX/XXXX/XXXX. I have changed my XXXX password, cancelled my credit card, and put necessary protections on my federal loan account. 
If you are hurting/struggling to repay your loans, please use extreme caution when being offered " to good to be true '' offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00}

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 2018-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/XXXX, my husband and I requested credit investigations as XXXX  and Trans Union. Since that time, my husband has received his results, but I still haven't received anything in response. XXXX   and Trans Union were supposed to respond within 30 days. I am attaching a copy of the letter we sent them, requesting investigations at the same time.

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 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I found inquiries on my report that i dont recognize Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX  Transunion 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 2023-07-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I had a disputed charge. On XX/XX/2023 Bank of America sent me a letter ( received XX/XX/2023 ) that requested additional information about my claim to be received by them " by XX/XX/2023 ''. 

A second letter was received from Bank of America, dated XX/XX/2023 ( received XX/XX/2023 ) stating my claim was denied. 

They denied my claim BEFORE the date stated in the first paragraph. 

Additionally the denial letter stated that BofA had " completed our research ''. I have tried to determine the " research '' via the stated phone number, the web and my local branch to no avail. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Contacted company and was gave them concerns regarding account being continuously reported to credit bureau due to negative impact on housing market. Confirmed that they sent in a request for negative reporting to end for account, however it is still showing as negative on 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION

Complaint:
This vehicle was repossessed b y NFCU in  t he State of F lorida on or about,     X/XX/2014   , a nd resold on or about   XX/XX/2014 .    Under the laws of the State of ( State of Repo ) U CC 9.506 and Sta te  RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices   were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.   Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.   If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.   In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all availabl e State and Federal statutes and UCC 9 remedies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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: EQUIFAX, INC.

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY

Complaint:
During my Senior year of attending The University of XXXX XXXX I had to apply for 3 private student loans through Wells Fargo in order to be able to complete my degree. I had been paying ON TIME, full payment amounts, when ever I would receive a bill in the mail. I was never sent the " Loan Account Detail Summary '' sheet that they send in the mail with the current bills I am getting nowadays, which shows which loan I am paying towards so I am able to write the loan # in large on my checks and paystub. When I would make my payments, I was under the impressions that Wells Fargo was allocating my payments accordingly to the loans that they should have been going towards. After about 6 months - year of making payments, I receive information in the mail that 1 of my 3 loans had gone into default due to missed payments and that I needed to contact them in order to get loan back into " recovery '' status. I had contacted Wells Fargo and explained the situation. My concerns were sent to a senior officer at the company, however they continued to stand by their claim of my loan being in default was accurate ... I am furious. I have managed to get that specific loan back into recovery by having them automatically withdraw out of my checking account monthly but this is now affecting my ability to purchase my first home, please help if possible : (

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation