hpe-ai/customer-complaints-train.csv huggingface dataset:
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 a victim of Identity Theft since 2020 due to the data breach of XXXX. Since 2020 I've been dealing with countless situation in regard to this matter. I received communication from credit card companies and debt collectors in regard to accounts that were not mine. Due to fear and lack of knowledge of the law, I start making payment, even when I know this accounts were not mine. Now I received legal advice from my lawyer, that guide me to open an Identity Theft Report and send a formal complaint using CFPB. I have been trying to get in contact with the consumer report agencies without success. They are not working diligent in their investigation to solve this problem. As an evidence of the lack of investigation ; I asked XXXX to remove an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) that is not mine and they responded that the account was verify. At the same time I asked the issuer of the card to remove the information from my credit report and they send me a letter with this information : " We received a request to remove your name from the account number referenced above. Our records indicated your name is not on the account. '' Clearly, the agencies are not doing a properly investigation, causing me more harm. I called TransUnion to report Hard Inquires that were not authorized and they told me that there is anything they can do about that matter. I'm not asking for too much, just to have my consumer report clear of accounts that are not mine. All my correct account are from XXXX XXXX, were I currently live. I have account in local Credit Unions that have been paid accordingly. I didn't apply for credit card in Banks in the USA. This XXXX accounts are from stores that I dont even purchase any goods. Some are too far away from my home that I dont even have visit before. I don't know why the consumer reporting agencies don't have an specialist that can review the accounts and compare all the history to identify that the information reported can be XXXX. I'm tired of dealing with this sittuation and the next steps is going to be a legal one, if this complaint is not process properly.

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 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX 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. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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, I purchased XXXX tickets for the XXXX  concert at the XXXX XXXX for XX/XX/2023. They were to be delivered electronically via email. 

I received an email the tickets had been transferred but never received the tickets. I called several times speaking with a customer service rep to had me search all of my email boxes for XXXX XXXX XXXX and XXXX XXXX. 

After the tickets could not be located, the rep said they would contact the seller and have him retransfer the tickets. 

In the meantime while waiting for the retransfer of tickets, I called and emailed XXXX, checked my email boxes daily, and checked my XXXX account daily. 

The concert came and went with no help. I contacted XXXX who was not able to provide a refund. I contact my Bank of America card to dispute the purchase. This week I received a closed dispute letter from Bank of America saying I was responsible for the charges. 
Attached was XXXX policy but nothing about an investigation into this matter.

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 2019-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Repeated phone calls with no answer. I called the number back and recording says Kohls Credit. 

Call each day range from 3-10, almost every hour. 

Currently have XXXX XXXX XXXX handling pay back to my accounts due to my recent illness. 

These need to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
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:
XXXX  account and XXXX inquiry has report defamatory information about me to the 2 credit Bureaus on XXXX account. I am challenging the incorrect information with XXXX account and XXXX inquiry on my credit report is fraud. Where XXXX clearly violated the law. XXXX put on my credit report an account number that is not my and the balance is false. XXXX  monthly payment of the account that is completely false and incorrect. The account is false, the date and the amount. I am a victim of identity theft. XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX, XXXX and Equifax decided to ignore my demands for Validation. Validation of the debt XXXX and XX/XX/2021. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX account and the inquiry with XXXX violation of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Thrift Investment Corp.

Complaint:
I have an account with Thrift Investment for XXXX for an auto loan of a car that was repossessed. At the that time my significant other passed away and he was responsible for the bill and i no longer couldnt afford it. I did try to get the car back from the 3 months that i owed but they wanted the payment of the car in full. This account on my report has stopped me from being able to rent apartments and to get a car. I still am not able to get a car at this time. I would like this account removed. Im even ok with setting up payments to pay my debt back. That year was very hard for me i lost my car and apartment im just trying to get things back in order for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.

Complaint:
Over last several weeks I have started to get phone calls from Navient over my student loans. They demand repayment they state that I have gotten information that has never came to me. 
Their customer service will tell me one thing then I find out week later when they call back up asking for money that what their customer service has told me has not gotten done. Then their story changes on the loan within two hours of me calling them back to get the dispute resolved. One day my loan is in forbarace for a year two weeks later phone calls come stating I owe them money again. 
Keep asking for transcripts of the calls and all call logs that their company has placed to me so that I can have them for records of customer service telling me one thing them doing the complete opposite of it.

If their customer service was a legit thing and provided me or had the abitity to play them so that disputes could be resolved but their company refuses to provide them with out a sopina from the court. I am now having to look at that to get this dispute done. For the last two years I have repeatly been lied to about information over my student loans. I have papers work stating I took a loan with sallie mae and never anything to do with navient. They say I was notified but I never revieced any information untilll their reps started harrassing me. 
Everytime I have tried to call them we talk I am escolated to another person then another happens every time the calls are done. After the third person the calls go nowhere I say I am geting call backs but they never come. I am told that things are taken care find out once the phone calls start a week later what the customer service has told me is false and nothing is done. towards my loan except for them lieing to me. Half the time I can't even get someone on the phone that knows enough english to even handle anything. 
I have been mislead harrassed lied to and shown some of the most unprofessional unethical I have ever had when dealing with any company. 
I am now having to currently work on getting a supena for the calls and transcripts. Aling with having to take legal action against them for what they have practiced in thier businsss

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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:
I received my credit report on XX/XX/XXXX and notice there were hard inquires that have no permissible purpose to be on here. These hard inquires are hurting me from getting approved. I already reached out to the credit bears multiple times and they keep violating my rights under 15 USC 1681B. I have also attached the hard inquires that don't have purpose to be on my credit report. 

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 explanation
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of the South, Inc.

Complaint:
This company refuses to clear up the misunderstanding about this debt. Never lived at the address that they're showing and people in XXXX know that the water department is a complete joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: EQUIFAX, INC.

Complaint:
I had an account by the name XXXX XXXX removed off of my credit, I had created an FTC report and sent to equifax. Recently Equifax had REINSERTED the account after it was removed as fraudulent. I am now disputing the account as fraud again because it is! I never openend the account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
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: ONEMAIN FINANCIAL HOLDINGS, LLC.

Complaint:
In 2014 in XXXX or XXXX a loan was obtained using my personal identity information.i have shown this company proof I have been a resident if Texas and obtained copies if contract and if and social used which clearly weren't mine.I asked then to remove it from my XXXX credit report as it has been in there for 5 years in default. The last four of my social are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX 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 customer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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: Conn's, Inc.

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXXXXXX  ( Original Creditor : XXXX XXXX ) XXXX**** ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC

Complaint:
In XX/XX/XXXX, Nissan Motor sent me my account to a collection agency and listed it as a charge off, without notifying me. Upon contacting them as to find out why my credit report was listing a charge off with them, they told me XXXX had finally submitted payment in full to them for my XXXX XXXX ( which had been totaled in an accident ) and the remaining balance was sent as a charge off. I asked why I had not been notified in order to pay the balance in full or make arrangements. I have never been late on any payment with any company. I continued sending payments to Nissan to pay for my XXXX even when it was totaled and I was the one staying in constant contact with them. For Nissan to think it is okay to list customer accounts as a charge off is no way, shape or form ethical. I have tried settling this disagreement with both Nissan and the major credit reporting agency ( XXXX ) to no avail. XXXX has said it must be Nissan who requests the removal that is affecting my credit. I have attached proof of making payments to Nissan even when I no longer had my car, I continued paying in order for a situation such as this not to occur. The statements you will see note the electronic payments of {$400.00} deducted by Nissan from my account every month. This year ( XX/XX/XXXX ), I even spoke to a supervisor at Nissan in the credit collections department asking what could be done to remove the negative charge-off affecting my credit. I was told to pay the balance in full and the charge off would be removed. I even received a written letter from Nissan stating this would happen. I paid the balance in full and still Nissan has refused to remove the negative charge-off from my credit report. You will see my past credit history reports excellent credit up until the events leading to this situation. You may contact me if you have any questions at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
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:
Wednesday XX/XX/XXXX I contact XXXX XXXX in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that XXXX XXXX tries to fix but failed miserably. XXXX XXXX has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting. 

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.

Complaint:
I was charged an annual membership fee on XX/XX/XXXX for {$99.00}. I paid off the annual membership fee on XX/XX/XXXX before the statement posted. Chase did not apply the payment to the highest interest item on the account which was the {$99.00} fee. They instead applied the payment to the 0 % interest balance transfer. 

According to Chase 's credit card terms : 'We will begin charging interest on balance transfers and cash advances on the transaction date. '' This means by their own definition the {$99.00} fee is the highest interest item on my card at the time the payment was made. They are trying to hide behind the fact that the charge was not posted to my account. That doesn't matter since there terms state the " interest is charged from the date of the transaction '' not from the post date. They can't charge me interest and not allow me to pay it off. I live in Wisconsin and there is no prepayment penalties allowed. I tried to prepay the amount before it posted to the account and they still charged me interest. 

I was charged XXXX interest on XX/XX/XXXX ( I paid over {$100.00} over the minimum payment ) I was charged XXXX interest on XX/XX/18 I was charged XXXX interest on XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/XXXX, I used my Chase Mileage Plus credit card to purchase an upgrade on two segments of a XXXX XXXX ( $ XXXXeach x XXXX segments = XXXX USD. ) In XXXX, I declined to renew my card for another year and my balance was XXXX by XX/XX/XXXX. 

My flight was canceled due to Covid restrictions in XXXX on XX/XX/XXXX. 
After contacting XXXX several times during spring and summer and alerting them to my closed Chase credit card, they processed the refund, through XXXX, to my closed Chase credit card on XX/XX/XXXX. 

On XX/XX/XXXX, I called Chase credit card, and was told they had no record of my credit card account. After multiple calls ( 3-4 ) I was told my card had most likely been " purged '' and my only recourse was to fax the " Purged card department. '' I did that, with all information, on XX/XX/XXXX. 

On XX/XX/XXXX, I made repeated calls to Chase in order to find an address to which I could send a followup letter about my refund. I was told, without any doubt, that I had never had a Chase credit card -- this despite the fact that I was holding a photocopy of the front and back of my Chase credit card ( the original of the card was destroyed when I canceled my account as is usual good practice. ) When I provided my full SSN, I was assured that I had never had a credit card at Chase under that SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings

Complaint:
IQ Data continuously mails me a debt that contains no verification or itemized statement of what I owe, and despite the 5 emails I have sent, I have received no confirmation of my dispute and continue to be harassed by the company without any verification of the debt.

Company response to consumer: Closed with explanation