hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY

Complaint:
paid off loan ( saved receipt and screenshots and video of XXXX $ balance in branch ) Called XXXX XXXX to verify and inquire abt reducing late fees and was told the remaining late fees were non-negotiable and had to be paid BUT were treated as " completely separate '' from Principal and Interest and that to avoid collections i should pay at least once before 120 days elapsed and that would " reset the 120 day clock '' each month AND that it would NOT report to CRA 's as well. NOW after seeing that the system/they ADDED XXXX XXXXXXXX XXXX $ to my previously XXXX account/loan i called to complain and they said the system puts this on to " keep the account open '' so the remainder late fees can be paid- BUT said they don't know if it will then AUTO-REPORT to CRA 's as being {$1.00} and 30days or whatever amount of days 'late ' which would be both illegal and inaccurate. ( As i don't actually owe the underlying 'phantom ' dollar ) Just the late fees, which per their policy don't get reported.

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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2023 I sent a letter to the credit bureau. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item

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 2018-09-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY

Complaint:
Received phone call on XX/XX/XXXX from XXXX at my job from an American Express debt collector. I set up payment plan with debt collector that same day and told the debt collector to not call my job again as my job does not accept phone calls from debt collectors. Received another call at my job on XX/XX/XXXX from the same debt collector from XXXX. Other phone number used : XXXX. I am still receiving calls to my job even after setting up payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  Account # XXXX XXXX  Accounts Account # XXXX XXXX  Account # 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 consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.

Complaint:
On Friday, XX/XX/XXXX XXXX XXXX dollars were withdrawn out of my savings ( {$6000.00} ) and checking ( {$1000.00} ) accounts on PNC bank. I am left with only about {$200.00} dollars left on my account and after taking to a representative for about 2h on XX/XX/XXXX ( could not get in touch with the bank during the night on the XXXX ), no solution was posed on a near future. I am left with {$200.00} for the foreseeable future, considering everyday bills, food, etc. This is the second time something like this happens with PNC this year- last time was in XXXX, when I got a call and had to close my old account and open a new one, with a new credit card and etc. Fortunately they were able to prevent any money being taken out in XXXX, but not this time. The bank is supposed to be a safe place to store your money, how is it possible that a random person goes into a PNC branch and cleans out someones account and the bank representative did not even know where it had happened? How is it possible that I am left with no solution, no money and no empathy, even when I took all of the steps asked in XXXX to prevent this from happening again?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC

Complaint:
The debt collection company " Transworld System Incorporated '' call multiple times a day. They use multiple different phone numbers to make it look like it's a different company calling through out the day. Every time I block one number on my phone they call with 3 different numbers. I have not answered and told them not to call yet but I shouldn't feel anxiety  and fear every time a new number shows up. I'm waiting for calls for job opportunities so I have to answer every time they call but there is usually a lag between when I answer and say hello and when they start talking to I usally hang up if someone doesn't start talking right away. Also the voicemails on my home phone are all in robocalling voice. It is never a real person for me to even tell not to call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: SECURITY FINANCE CORP

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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:
I AM LOOKING AT MY CREDIT REPORT AND I AM INFORMING YOU GUYS THAT I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS OR INQUIRIES DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS WERE AUTHORIZED. REMOVE THEM BC THEY ARE NOT MINDS.

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 2023-07-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SER  XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-05-12
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 am a victim of identity theft and I have fraud phone numbers on my personal file ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL

Complaint:
Based on the recommendation of our vet and due to an expensive procedure one of our dogs is having she recommended applying for Credit Care with Synchrony Bank. This would allow us to pay off the cost over 6 to 12 months interest free. I completed the application after removing a credit freeze on one of our credit monitoring reports. I called them to let them know it had been done and the agent wanted to talk with my husband under whose name the card would be issued. She asked for our phone numbers and even though this was provided on the application she said it didn't correspond with what she had and told us we would need to submit a video of my husband 's head and also take a picture of his license. This felt like an invasion of our privacy but we attempted to do it anyway. We failed after the allowed four attempts to accurately video my husband 's head so I called them back to tell them we were having trouble with this step. They indicated they could allow more attempts, but I remarked it would do no good as the first 4 attempts didn't work. I said please visually look at the video and DL and they could see it was my husband applying. But they declined our request to open credit with them. Mind you, we had previously opened another account with this company that took seconds to open. I closed that other account today, due to the treatment we received from them. This is wrong on so many levels. We have great credit and never had a problem before. They said it was to prevent identity theft. I'm concerned that my husbands driver 's license and video is in their files and available to any one who would hack their company. Where's the protection from identity theft there? We would like the videos and DL picture of my husband to be removed from their files. We do not want a credit card from this company anymore as we were treated so badly. I even talked with a XXXX and got nowhere. I have to admit by the end I was pretty angry.

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 2023-08-09
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: Experian Information Solutions Inc.

Complaint:
There is an account named XXXX XXXX XXXX act # XXXX this account does not belong to me and is reporting inaccurately to my credit reports and needs to be removed.

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 2021-01-27
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, the consumer sent Equifax a removal letter through certified mail. The dispute letter was sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent the letter with a green return receipt and an agent signed saying they received it. Under federal law, this corporation has violated me as a consumer. Equifax 's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them directly. I have disputed the items on my report many times with little to no response from this company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Pursuant to 15 USC 1692g a corporation can not validate an alleged debt. Due to Equifax 's noncompliance, I have not been able to relocate my family to a safer environment. I have been embarrassed due to denials. This company has caused me and my family many hardships due to the alleged debt being reported on my consumer reports. Pursuant to federal law, only factual information can be on a consumer report. This is identity theft and there is no statute of limitations on fraud. They have infringed on my right to privacy and defamed my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.

Complaint:
Comenity bank is attempting to collect an apparent debt owed on a XXXX credit card for an item purchased in XX/XX/XXXX of XXXX. The item was purchased on a 12 month deferred interest payment plan. The item was payed off in full in XX/XX/XXXX of XXXX, in advance of the deadline. 

Here is a list of payments and dates : Initial total : {$3200.00} Purchase date : XXXX XX/XX/XXXX XX/XX/XXXX : {$610.00} XXXX XX/XX/XXXX : {$850.00} XXXX XX/XX/XXXX : {$800.00} XXXX XX/XX/XXXX : {$400.00} XXXX XX/XX/XXXX : {$580.00} I received my first debt notification by phone on XXXX XXXX, XXXX. Prior to this date, I received no written notices by mail, phone, or email.The alleged amount of debt is {$1000.00}, consisting of a late fee and interest accrued over the 5 month period between my final payment and their first contact by phone. 

I sent a debt verification letter by certified mail on XXXX XX/XX/XXXX. 
Comenity sent a response that they would perform an internal investigation on XXXX XX/XX/XXXX. My requests within the debt verification letter were not addressed. 
Comenity sent a second response on XXXX XX/XX/XXXX concluding that the debt was valid. There was no debt verification information attached. None of my requests from my initial letter were addressed. 

Comenity has failed to provide me a itemized breakdown of the charges, as well as a copy of my initial signed contract regarding the sale of this item despite my written request. 
I am requesting that Comenity fully respond to each of the requests within my debt verification request letter within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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:
Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATIONXXXX since XX/XX/XXXX ... there is an error on my XXXX and equifax credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATIONXXXX under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Transunion continues to report inaccurate information that is causing me harm. I have contacted Transunion several times to get this matter resolved. 

My current address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX. 

My name is XXXX XXXX. No other names should be listed on my credit report.

162.6 Reasonable opportunity to opt out.

( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.

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 2023-07-05
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:
( Hard inquiries that need to be removed from Equifax credit report, with dates ) Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation