hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Several XXXX XXXX  employees called me and left voicemails over several days. I had previously requested that I be removed from their sales list, so called back thinking there might be an issue with my mortgage. 

The salesperson I spoke with asked me several questions about my home situation ; throughout our conversation, I was clear that I had no interest in making any changes to my mortgage. The salesperson then stated that he was going to take a look at my credit to make sure everything was in line and asked me if the last four of my social were XXXX. I confirmed that the numbers were correct, and which point he immediately left the call and put me on hold - before I could ask what he meant by taking a look at my credit or why he would need to do so. I absolutely did not understand that he was going to make a hard inquiry into my credit. He did not use the words " mortgage inquiry '' or " hard inquiry. '' When the salesperson ( who referred himself as a " banker '' ) returned to the call, I asked him if he had just executed a hard pull on my credit report and he assured me that it was " no big deal. '' Unsurprisingly, my credit score was in fact negatively impacted by his action. I later contacted XXXX XXXX  to ask that the inquiry be removed from my credit report and they said they could not remove it because I consented to the credit pull by confirming the last four of my social. Again, I did not understand that the salesperson was asking for my consent to create a hard inquiry into my credit and had made clear that I had absolutely no interest in any new mortgage product.

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 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Funds were wired to an XXXX bank account in the XXXX XXXX which was closed. Funds have not been returned to our account. We have exhausted all options with Bank of America. 
1. USD XXXX were wired to our vendor in the XXXX XXXX on XXXX XX/XX/2022. 
2. We immediately realized the account was closed and contacted Bank of America of the error within 8 hours. 
3. We have contacted XXXX in the XXXX XXXX. They say that account was closed and they have no record of receiving the funds. 
4. We have contacted Bank of America several times regarding returning the funds. The funds still have not been returned. We have contacted the wire transfer department and our branch manager to no avail.

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 2018-04-29
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:
My identity been compromised. 
A mortgage was taken out in my name. 
Also there is some listing of a bankruptcy filing. 
I have never filed any bankruptcy of any kind ... period. 
The credit bureaus have removed the fraudulent mortgage already. 
The credit reporting agencies have had me confused with a XXXX XXXX out of Washington State or somewhere. 
There are accounts on my credit profile that do not belong to me. 
I feel I have followed the law in obtaining a police report and filing the proscribed affidavit from the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
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: Experian Information Solutions Inc.

Complaint:
Have disputed 3 items now with aExperian for the second time, and all I am getting is that is being verified without them proving or providing any kind of documents or signature proving the account s are in fact mine. All they are doing is using the XXXX system that says. Yes. Is his account s.

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 2022-09-09
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:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
US DEPT ED XXXX Balance : {$28000.00} US DEPT ED XXXX Balance : {$48000.00} DP OF EDUC XXXX Balance : {$28000.00} DP OF EDUC XXXX Balance : {$48000.00}

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 2017-09-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.

Complaint:
I attended XXXX XXXX in 2009 and their were two loans opened without my knowledge and I want deleted off my credit report. I did n't authorize. I was thinking I only was using financial aid only, NOT STUDENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: In progress
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation

Complaint:
I called Aspire to see about setting up a payment plan to get my credit card back on track. I was offered the " Match Pay '' Program where they match a one time payment at 50 % in an attempt to help you bring your card back to a current status. I set up a one time payment for XXXX and with the 50 % matching it would bring my credit card to a XXXX balance. I was give the specifics of the program and verbally agreed to it. However when we were wrapping up the call the agent mentioned that she say I had mad a payment today in the amount of {$170.00} and it would be reflected on my account tomorrow. I advised her that I didn't make a payment and did not know what she was talking about. She told me not to worry that the account was good. I repeated that I didn't make a payment and she asked if there was anything else she could assist with. I hung up and spoke with someone else who told me the same thing. She went on to say that it was actually a one time payment I set in in XXXX that they processed today. Astounded I asked who authorized this??? She responded don't worry it went through. I know for a fact that I don't have {$710.00} in either of the two accounts I have on file. I stated you do know it is illegal to process a payment without the authorization of the account holder and she replied " yes I know that's against the law but it was from the payment set up in XXXX. I replied so Aspire took it upon itself in XXXX to run a payment that was to be processed in XXXX for XXXX? At this point after confirming they broke the law on a recorded line she began to try and backtrack and said I must have processed the payment on line. I didn't. Frustrated I asked for a supervisor. He was useless. He kept referring me back to my bank. I advised him I already looked at my account and this transaction wasn't showing. He refused to verify what account this transaction was processed on. Request that the call be pulled and you will hear them both admit I di not authorize this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
They gave my information away by making it available through an unsecured website. Although this was in XXXX of 2017 I was not informed until XXXX of 2017 that this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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:
XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX  XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2100.00} XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3800.00} XXXX XXXX ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$330.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$3800.00} XXXX XXXX XXXX, XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2100.00} XXXX XXXX XXXX ), Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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 non-monetary relief
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2

Complaint:
This debt by PERSLOV LLC was idetified as link to Idenity theft 4 years ago all accounts were resloved with the bueuros but this company PERSOLVE LLC has reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/XXXX I checked my XXXX XXXX account online to check my latest charges. I was amazed to see a pending charge of {$89.00} from Experian which I never made. The only time I previously contacted them was in XX/XX/2017 to put a freeze on my account, which I paid {$5.00}. I tried calling them, and was told the wait time was greater than 1 hour. I checked some of the websites and seen that there are many others going through the same issue. Many of them complained about waiting as much as 2 hours just to have them hang up on the caller. It sounds like many people just give up trying to get the charge removed. This is just pure theft and the company should be prosecuted. I don't intend to let them get away with this. My next step is to contact the local TV XXXX for them to bring this to light. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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 is reporting and u verified collection on credit report by XXXX. XXXX, XXXX in the amount of XXXX. Both transunion and XXXX. XXXX are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 

They are required to provide the original contract AGREEING to pay this amount {$1400.00} bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance

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 2022-02-17
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:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.

Complaint:
Good afternoon, In XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. 
Beginning of XXXX, I have started receiving monthly fees to pay with no notification from Chase that they changed their rules of having now a minimum of XXXX $ of deposit. 
So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. 
But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. 
XX/XX/XXXX I called the Chase Service Center after talking to 3 different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. 
My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. 
I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
After reviewing the credit report, there are a number of issues regarding the unfamiliar derogatory accounts on the credit file. XXXX XXXX XXXX account XXXX has medical bills that are unfamiliar. Account has updated the status of XX/XX/XXXX, however, the date of service is different. Due to the LAWS of JACHO institution offers financial assistance when patients experiencing hardship. XXXX XXXX XXXX received financial hardship forms regarding balance. When the follow-up appointment, i was informed debt was satisfied.

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 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.

Complaint:
Have tried to contact Citi Bank by phone and email to pay on past due credit card account account they have not responded we do not want to pay to collection only to Citi Bank who the money is owed to We also want credit reporting agencies to know we have tried to reach out to Citi Bank to pay on this account and Citi is refusing to talk to us we want to dispute because Citi will not give us a chance to pay or repair credit this is not fair to reflect bad on credit and they will not work with us

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 2023-01-14
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have never been late with XXXX student loan company. 
Acct shows I was late several years ago. XXXX bought account. I've never been late with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY

Complaint:
While banking with Wells Fargo, I was on several occasions charged overdraft fees on my checking account. This is while I payed for overdraft protection. I ended up essentially being banned from Wells Fargo for refusing to pay what were exorbitant fees that often stacked up. 

Then there was the issue of Wells Fargo giving what were ultimately temporary refunds for items that I reported difficulties getting my refund for whatever reason. Often XXXX a pain and its easier to make a claim with your bank. XXXX XXXX marketing on the refund policy is misleading at best. Ultimately what triggered too many of my overdraft rabbit holes, were temporary refunds being retracted, which would overdraft, and start the madness. I rarely was ever able to get maybe one fee removed but the rest would be mine to pay, they make it seem like youll be protected, and the give you the refund just to take it back, usually after youve spent it,

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