hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.

Complaint:
My loans were with XXXX XXXX and they were transferred to Navient. I belieive that some payment info is inaccurate they went up on my APR. with out my consent. Unfair and deceptive collection practices. Sending me emails stating I owe XXXX when my loan is on a income based repayment plan and there is no balance due yet. they also cheated me on Interest that accrued and the balloon interest that went on loan in the short period of time since Navient taken over the loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2019 I disputed with a factual error from my credit an account with XXXX  / XXXX XXXX it came back verified, how can this be if the creditor in dispute sent me a letter of which I will attach with this claim saying that they no longer have this account. So if the creditor in dispute does not have the account why it came back verified, I demand that TRANSUNION to provide me with the method of verification according to section 611 of the FCRA or delete this account 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 explanation
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
BofA decided to close my account. I received a deposit while account was " restricted '' BofA from XXXX until XXXX XXXX BofA CSR 's told me I would receive a cashiers check and it would be mailed on the XXXX. When i called on the XXXX BofA then informs me they can not mail me anything until the claims on my business accounts are resolved. so I had to close the claims totaling XXXX and lose any chance at getting it back just to get the money BofA is holding hostage. I have no access to my money and everyone I talk to seems to give me misinformation. I NEED MONEY FOR MY BILLS. BofA is a criminal enterprise

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 2020-04-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION

Complaint:
XXXX of XXXX XXXX General Manger XXXX XXXX  & XXXX XXXX service manger called me XXXX  ON SEVERAL OCCASIONS AFTER I TRADED in my XXXX XXXX. I called XXXX XXXX my service advisor in reference to the XXXX XXXX XXXX XXXX  key being stolen by my landlord. I paid {$370.00}. I have no receipt. XXXX XXXX was in the showroom my sales consultant when I was called a XXXX. I took XXXX XXXX police & XXXX told me I was not allowed in there. I had XXXX tow my XXXX XXXX back after My transmission brakes everything went on XX/XX/XXXX. My account number with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIN XXXX. On XX/XX/XXXX XXXX XXXX   stayed they were selling my car. I gave both keys to the XXXX XXXX police dept on camera in XXXX. How can I still be liable 4 a lemon I returned where I purchased it from. Im not being charged off on my credit by XXXX XXXX XXXX. I contacted The XXXX XXXX  AND MADE 7 complaints. I received nothing in writing. XXXX XXXX XXXX XXXX ACCT XXXX stated involuntary repossessed date of last pymy XX/XX/XXXX. I DIDNT HAVE THE CAR XX/XX/XXXX til XX/XX/XXXX. XXXX XXXX refuses to give me my car. I had XXXX tow it back to them through XXXX XXXX  ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
On XX/XX/XXXX, I received a welcome letter from XXXX XXXX XXXX congratulating me on my {$4500.00} credit limit. Account # XXXX, opened XX/XX/XXXX. I did not received a card or any other information. This is not my account. 

On XX/XX/XXXX, I checked my credit report, and saw that {$3100.00} has been charged on a XXXX XXXX XXXX Credit Card. There is a {$3200.00} credit limit. I was informed that this was an online purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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:
Theses are the inquiries that I have been disputing they were taken off the other 2 bureau reports. These were unauthorized and I would like these to be taken off immediately. I have sent in all proper documentation. I was denied credit for the COVID-19 funds XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX , GA 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 2021-11-30
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: PRESTIGE FINANCIAL SERVICES INC

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable and needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting Act. The list of Accounts below has Violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX Bank Account Number : XXXX Card number : XXXX 15 U.S.C 1681 Section 602 A. States i have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.

Complaint:
I am approaching a debt collection company to make them aware that I have fallen on very difficult times. I would like to see if I can avoid filing for bankruptcy, but that decision is quickly approaching. Therefore, I am requesting a very low offer in compromise to the attached collection letter as quickly as possible. I could borrow {$2000.00} from a family member to settle this account in full, but that is as high as I can go at this time. I have over {$120000.00} in unsecured debts, and my financial position is in bad shape at this time. This company can reply through the Consumer Financial Protection Bureau portal.

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 2018-12-29
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:
XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX have inquiried hard pull in from my credit report with out my authorization and it's affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.

Complaint:
On XXXX XXXX, 2017, due to a error with a balance transfer I ended up paying the total balance owed twice resulting in a credit of {$9000.00}. After an interest charge, my final credit on my card was {$8900.00}. I contacted Citi Bank on XX/XX/XXXX, and requested that the credit be returned to my checking account. I was advised that this would take 3 to 5 business days. By XX/XX/XXXX, the money had still not been transferred. I again spoke to Citi who this time advised me that this would take 7 to 10 business days because the credit balance exceeded {$1000.00}. I would like to understand why Citi bank is allowed to sit on my money and why I was misinformed as to when they would return my money. My frustration is exacerbated by the fact that they had the credit balance for 7 days prior to me calling on the XX/XX/XXXX. If I am late by an hour, I am charged a late fee immediately. I do n't understand how they can keep almost {$9000.00} of my money for over 2 weeks.

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 2017-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC

Complaint:
In XX/XX/XXXX I entered into a contract with XXXX for two years with 12 months of promotional price and 3 months of free prime channels. It was also explained to me that If I would move and not be able to receive their services I could terminate with no fee. This was important information to me due to the fact I was a renter. I also was told at 12 months I could enter into a new promotion. I was also suppose to receive some football package which I never did get. I moved in XX/XX/XXXX and kept the services at the home I was in prior until mid XX/XX/XXXX I believe. At that time I contacted XXXX and explained that I moved to a new place where I was not able to have XXXX. I was told that I could enter into a " hibernate '' which I would pay {$15.00} I believe to keep my account active and they pulled this out of my account without my knowledge using my card that was on file. They stopped pulling it out of my account and that " hibranate '' period ended. I told them again that it was told to me multiple times that I would be able to cancel my service with no fee due to not being able to have their services. It went to collections a year later and I contacted them again and called their corporate office in California. I talked to numerous people non of which I remember names. I thought it was resolved until recently it was at a new collection agency and no on my credit report. I also found that the federal trade commision charged XXXX in XX/XX/XXXX for deceptive advertisement. This situation is very similar to mine. I do n't honestly remember all the specifics because I really thought this was resolved. I can not have XXXX where I live and I was told by XXXX before signing up that If this situation were to happened I would no longer be bound to the contract terms and would be able to cancel with no fees. I expect that they would stand by thier word or I would not have entered into this agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-09-15
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: AMERICAN EXPRESS COMPANY

Complaint:
American Express is reporting accounts on my credit report. Accounts I never opened with them and never gave them any permission. I have never had or opened ANY AmericanExpress cards in my entire life. These accounts should have never been added to my credit report in any shape or form.
On top of this they are showing many accounts as a duplicate. For example, they are showing one of the cards 4 times in a duplicate fashion.
This is preventing me from getting loans that are very sensitive to number of opened accounts in the last 10 months, and AmericanExpress is showing more than 7!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX XXXX, illegally repossessed XXXX. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the XXXX was already sold over my contract balance satisfying amount and refund due to me. XXXXl XXXX refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations

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 2021-04-20
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 sent over 2 dispute letters to Transunion all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 60 days now and I would like some action taken to get this resolved. I will a FTC complaint if this does not get resolved. I take my credit very seriously and I'm upset these people aint doing job. All I want is for the company to do they job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: EQUIFAX, INC.

Complaint:
Im process of buying a house and got a notification that a new collection account from XXXX XXXX XXXX # XXXX has been placed on my account. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX and never had XXXX XXXX XXXX. It appears someone in the building compromised my identity. Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL

Complaint:
Round about XX/XX/XXXX/XX/XX/XXXX I noticed that my Synchrony Bank / Amazon credit card statement was too high and upon inspection noticed I had late fees and interest incurred for a balance that should not have existed. My credit limit set by Amazon is {$100.00}. So I rarely use the card except for small items. The balance was {$130.00}, above my spend limit. I call Synchrony to complain and inquire. What we discovered was that Amazon PRIME had been auto billing me for an account that I did not sign up for. I complained to Synchrony at this time that these were unauthorized. Their response to me was I had to take it up with PRIME. They could not address these. That is confusing as they allowed the charges and should be protecting my account for me. Nonetheless I demanded the account be closed or frozen until I could get the charges resolved. I made attempts to contact PRIME over a 3 month period before they responded to me. During that time Synchrony continued to add late fees and charges to my account while I was disputing the very same charges causing those fees and interest. In month 4 or 5 Prime cancelled the membership and reversed only 3 months of fees. I have had similar issues with other credit cards where the bank assisted in the recovery. I was in this alone. Around XX/XX/XXXX in several calls with Synchrony I was disputing the balance which was now in excess of {$230.00}. That it was all fees and interest created by the fraudulent PRIME membership fees. I demanded a manager to look at th eaccount and listen to the calls where I demanded the account frozen or closed. I even agreed to pay the original balance after the PRIME charges were corrected to close it. They denied the offer and would not comply. I received a {$1.00} refund from Synchrony which was an insult. They continued to call daily during XXXX, XXXX and into XX/XX/XXXX. I take 1 call every 2 weeks and ask the agent to please listen to the call logs and have a manager address the request back in XXXX/XXXX to freeze or close the account because of the fraudulent PRIME charges. They will not comply. They have now jacked the credit card account with the {$100.00} limit to over {$320.00} in fees and charges from the original balance that was complained about. I continue to offer settlement for he original balance after I resolved the PRIME issue and hey refuse.

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 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below 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 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the accounts listed below : XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC

Complaint:
I called Flagship Credit Acceptance to request a payment due date change from the XXXX of the month to the XXXX to correlate with my payday. I was not accommodate and my car payment became past-due and I was charged {$900.00} in late fee .Also, The late payment was reported on my credit report. I was told the late fee would be push to the end of the loan and that has not happened. I have called several time regarding this matter and have not received any 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