hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-09-13
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:
I am submitting this CFPB Complaint regarding my request for the Credit Bureaus to remove the dispute fraudulent information reporting on my Credit Report. I previously sent an FTC dispute letter addressed to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus remove the fraudulent items from my Credit Report. However, upon checking my updated Credit Report, it is clear that the Credit Bureaus have not yet complied with my request. Once again, I was a victim of identity theft and I have read that the Credit Reporting Agencies are required to remove any accounts and information that was incurred due to identity theft. I never received anything as benefits as a result of my identity being stolen, neither did I initiate in opening this accounts. I never authorized anyone to use my personal information. Under the FCRA section 605b, I am submitting this CFPB complaint to request the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3100.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$6800.00} DP OF EDUC XXXX Balance : {$8100.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$9400.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$460.00} DP OF EDUC XXXX Balance : {$3900.00} DP OF EDUC XXXX Balance : {$1600.00} DP OF EDUC XXXX Balance : {$5600.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$6700.00} DP OF EDUC XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. The Credit Bureaus continued reporting the fraudulent items which a clear violation of a consumer 's rights under the FCRA section 605b. If the Credit Bureaus claim that the disputed items belong under my name, I will the Credit Bureaus to provide me copies of proof of verification bearing my signature. If the Credit Bureaus can not prove that the disputed items belong to me, I need the disputed items deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-01-30
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: AMERICAN EXPRESS COMPANY

Complaint:
I am a natural person. I am a living human being. I have rights under 15 USC 1681 XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX permission to furnish these accounts. American Express acct # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX I do not recognize the inquiries that appear on my credit report. I have requested XXXX to remove these inquiries several times and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC

Complaint:
XXXX XXXX, FL XXXX XXXX Inquiry from XX/XX/2017 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 I do not recognize this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION

Complaint:
Navy Federal was sent a certified letter regarding my vehicle being in an impound lot that was signed for on XX/XX/2021. Navy federal did not inform me of this and the vehicle was later sold at auction by the XXXX police department. To this day navy federal is still taking my money for a vehicle that neither of us own. At the time my account was in good standing and I should have been notified before the given time to respond. I have attached all of the paperwork that I have received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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

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 an 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX and I am submitting this complaint to delete the followingfraudulent items in my file that are reporting on XXXX and TransUnion Credit Bureaus. Iam a victim of identity theft and did not make the charge. I ask that the items be deleted tocorrect my credit report. I reported the theft of my identity to the Federal Trade Commissionand I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. Ioffer my testimony herein that I have not authorized or given anyone access to my privateand confidential records and certainly not the alleged and also the inaccurate personalinformation showing on my credit report. I therefore request that you immediately removethese items from my credit report with your firm, or provide me with the exact source whereyou received such information, so I may take appropriate legal action. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX PL XXXX XXXX XXXX XXXX CA XXXX ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-04-28
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:
XXXX balance is XXXX I have not purchase anything in XXXX and i made payment XXXX for Bank of America credit card. Since i have promotion offer XXXX $ until XX/XX/XXXX. New Balance is now XXXX $ now,. Now i am see in XXXX statement interst charged XXXX XXXX 

Please help me to resolve this issue. Every month charging and paid total interest 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 monetary relief
Consumer complaint received 2023-02-09
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:
On XX/XX/2023, Been scammed on XXXX XXXX place. I have listed an item for sale for {$700.00} and buyer/scammer had offer to purchase and wanted to use XXXX. Buyer had a fake XXXX  email account. Scammer stated overpaid. I have sent a XXXX payment to buyers email address, {$400.00} refund. Scammer had requested a XXXX payment through friend and family has he claimed to have a issue with XXXX. I sent {$400.00} on XXXX on my Credit Card XXXX Bank of America. The payment had posted on my credit card account XX/XX/2023. Had made fraudulent claims with BOA over phone

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 2020-01-17
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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: WELLS FARGO & COMPANY

Complaint:
XXXX  dont fixed report show error in my credit. Reporting account opened fraudulent of Wells Fargo/ XXXX XXXX and XXXX  XXXX lending Both account still showing opened current account is no mine and danger my score another reason put this complaint is because my credit is low compares other credit reported dont show correct fico score danger my record and limited opportunities get credit

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 2018-07-12
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:
ask the three credit major credit reporting agencies equifax, XXXX XXXX, XXXX  to remove negative remarks and inquies from my credit report since XX/XX/2018 of this year sent 4 rounds of letters

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY

Complaint:
TD Bank would not give me my money back from fraudulent transactions. XX/XX/2019 I used my card at the bank atm about XXXX XXXX. I dropped the card right outside of the bank as well as my phone. I had to wait for the bank to open to report this and turn off my card. By then over {$200.00} was gone. two {$40.00} meals at XXXX and over {$100.00} at XXXX XXXX. 

I disputed this the bank refused to give me my money back because they said no one attempted to use the card after they issued me a new one. I was honest and I really would like my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-19
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:
I have 1 fraudulent inquiry on my credit report, I dont give anyone permission nor did it place them on my credit report also I have. I have 10 fraudulent addresses I wont removed XXXX XXXX Bank - XXXX XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, MI XXXX * XXXX XXXX XXXX XXXX XXXX, MI 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 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
Dont know who is XXXX/ XXXX ?

This company pull my credit without my Authorization on XX/XX/2018.

This issue takes down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I opened a new XXXX card with Bank of America and set up autopay. I paid my entire statement balance in advance so that I was paid in full and owed nothing. The autopay system debited my bank account for the entire statement balance a second time even though I had already paid.

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 2023-07-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION

Complaint:
On XX/XX/XXXX, new $ XXXX HELOC with Pentagon Federal Credit Union, first lien on XXXX XXXX. HELOC rate 9.5 %, later refinanced with new 2 % first mortgage loan subject to full HELOC payoff with release. Gave PFCU written instructions to close and release HELOC. PFCUs payoff amount included {$28.00} fee to record lien release. On XX/XX/XXXX, On XX/XX/XXXX, new first mortgage loan close and loan proceeds paid out of escrow paid HELOC debt paid in full. Later learned the line was not closed, HELOC lien not released. Lawsuit pending in XXXX Hawaii between our first mortgage lender and PFCU ( Action ) over whose lien has priority. After closing, needed cash to save my other properties. Later learned PFCU line never closed. I drew funds as needed, made regular monthly payments. In XX/XX/XXXX, paid off $ XXXX balance in full. Eventually was unable to make payments. On XX/XX/XXXX, XXXX sent us its notice of the acceleration of our debt, but we was never sued. We were in contact with PFCU up to XX/XX/XXXX. Just learned on XX/XX/XXXX, PFCU filed a new claim in the Action against us on the credit line debt of {$200000.00} plus {$100000.00} in interest. We have not been served with PFCU 's debt collection claim filed in the Action. We received no prior notice we were being sued and that we can dispute the debt. It has been 13 years since PFCU accelerated the debt. PFCU is trying to collect a time barred debt. We are very stressed.

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 2019-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.

Complaint:
I, like many other consumers, recently was informed my Federal Family Education Loans ( FFEL ) do not qualify for the Public Service Loan Forgiveness program. I have consistently been making monthly payments on my XXXX and XXXX school loans for 11 years, during which time I have worked only for non profit employers. My loan has been serviced by a number of companies, including Nelnet, XXXX ( formerly XXXX ), and XXXX. Throughout the course of paying back my loans, I would call from time to time to inquire about repayment options and to ensure I was utilizing the best option for my income and financial situation. I was told, on more than one occasion, by more than one of the loan servicing companies, that my loan would qualify me for the PSLF program after I made the XXXX consecutive payments. I now know, that is inaccurate information. I could consolidate my outstanding balance to the appropriate loan type, however, the XXXX consecutive payments would start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Since XX/XX/2022 I been trying to make correction in my credit report, the furnisher verified the disputed information as accurate and the credit reporting agency completed XXXX  investigations and has failed to make delete make corrections despite the fact that the information disputed can not be verified by the furnisher. Credit Agency deleted as they fit in order to complete investigations. Furthermore according to California Consumer 's Law, I am still waiting for credit agency to provide precisely the way the investigation was completed. As of this date, continues to report trade line incomplete and with errors. 
The furnisher, refuses to comply and has failed to comply with my request to produce documents requested for the disputed information. 
Attachment below shows a last attempt to fix the issue spent over an hour getting nowhere due to the unqualified employees, limit access or unable to escalate calls since they are all working from home or in XXXX. Lastly, the representative made me, in order to be able to assist me to provide the full social security number, despite the fact that I provided a full account #. 
Furnisher advised, " we do not have the records '', Transition verified that Xs were placed in the trade line because the furnisher did not know the information.

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 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
This account should have never been written off. It was pending payoff from insurance when I was XXXX and I was told I could stop paying. When it was charged off they told us they would reverse the fees upon pay off. In XXXX they received their payoff and never reversed the charge offs or fees. I opened up an investigation two times and no one called me with results like they promised and never took off fees as promised and never reversed charge offs as promised. Please note entire balance of card at time of XXXX when they told me I can stop paying was paid in full. The only balance remaining is the fees they told me not to worry about

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP

Complaint:
Received letter from XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX claiming I owe {$19000.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I notified the credit bureaus of this and they told me they had no record of the originating account only the information from XXXX XXXX on XXXX never received information on owing these funds.

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 2017-02-17
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Reliable Credit Association, Inc.

Complaint:
There are repeated calls daily. They are requesting my social security number and address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed