hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-04-03
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:
Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX data breach, XXXX data breaches, and XXXX  Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

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 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE

Complaint:
I opened an XXXX XXXX interest free credit card with Barclays bank back in XXXX ( XXXX XXXX XXXX ). I had planned to pay out that account and not be charged any interest, however on XX/XX/XXXX I was charged the full {$1000.00} interest charge without being contacted by this institution. 

This took the balance from Previous Balance as of XX/XX/XXXX {$1600.00} Interest Charged + {$1000.00} Statement Balance as of XX/XX/XXXX = {$2600.00} I contacted the company and was unable to reverse the charge even though I was prepared to pay the card in full at that time. 

On XX/XX/XXXX I transferred the balance to a new XXXX  XXXX XXXX account and called the company to close out the account. 

I just logged back in out of curiosity and the account is still active! I contacted the bank ( I will attach the correspondence ) and was told I'd need to contact their RETENTION team. I have no wish to retain services with this bank and feel that not only is this charge predatory, but also this retention is more than unreasonable.

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 2021-11-23
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:
SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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: Genesis FS Card Services, Inc.

Complaint:
XX/XX/XXXX payment sent XXXX to credit card company XX/XX/XXXX bank payment sent XXXX to credit card company genesis fs card services XXXX XXXX XXXX XXXX Oregon XXXX XXXX XXXX XXXX XXXX Georgia XXXX Upon contact of credit card company explained my bank verified funds have been processed an settled. Credit card claims they hold customers funds for 14days without clearing them for use in the effort to report fraudulent earnings by credit card agency on the financial reports. 

My account should not be held for 14 days when funds were processed an settled as available. They do this in an effort to hold funds from consumers an charge increased interest among other reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL

Complaint:
XXXX XXXX is attempting to collect a debt that is over 7 years old by contending the close date was XXXX when in fact is was in XXXX. A typical tactic from a collection company to change the dates on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX XXXX account on my credit report is in a class action law suit with XXXX XXXX were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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: JPMORGAN CHASE & CO.

Complaint:
I disputed an inquiry directly with Chase since I did not give permission to any entity to run my credit, and their response is a typical stall tactic they use asking me for information they should have already had since I disputed directly with a letter that had information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, 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 2023-05-17
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 follow-up 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 accounts 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 : XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.

Complaint:
As I am a XXXX XXXX XXXX XXXX XXXX  holder, I opened an NFL Visa card with Comenity Bank due to their preferential zero-interest terms for XXXXXXXX XXXX XXXXXXXX. Comenity 's terms and conditions specify that " special financing '' applies for XXXX XXXX XXXX of {$250.00} or more made at XXXX Team Ticket Offices, XXXX, XXXX, and XXXX with your NFL Extra Points Visa Credit Card ''. In addition to special financing, previously mentioned purchases are eligible for XXXX XXXX  rewards rate as opposed to the normal XXXX XXXX rewards rate. 

On XX/XX/2022, I paid for my XXXX XXXX XXXX XXXX tickets of {$3500.00} directly through the XXXX XXXX XXXX XXXX. The listed vendor on my statement was XXXX XXXX XXXX XXXX XXXX XXXX a clear indication that the above conditions were specified. However, I was assessed interest charges as well as received the normal XXXX XXXX  rewards rate rather than the XXXX XXXX rewards rate. I was assessed a {$45.00} interest charge on XX/XX/2022 and a {$31.00} interest charge on XX/XX/2022. 

I have attempted to contact Comenity Bank through their secure message portal and by phone. Comenity Bank has had " system updates '' that have had their listed phone number be no longer in service and " high call volume '' that have caused multiple phone calls to have over an hour of waittime without reaching a representative. I have been unsuccessful in contacting Comenity Bank to find a resolution to the above issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.

Complaint:
*Citi Bank is reporting an old account that s not mine I have a federal report were my identify was taken. I've spoke to them about this and paid to try to have it removed no one can ever direct me to the correct person. 
Citi bank account number on credit report XXXX Amount XXXX Date XX/XX/XXXX *XXXX  XXXX  This account is saying to be from XX/XX/XXXX. I paid this account it is not mine but I was advised to pay XXXX to remove it. It's still on credit report. 

*XXXX  XXXX  XXXX  XXXX  Is reporting late I had XXXX account with this company and paid it off this is not my account. 

*XXXX  XXXX  is reporting I was 30days late on payment I was never 30days late. 

I have called these companies numerous times with no justice I have my federal investigation report. 
Please explain to me what can I do to fix this.

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 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST CITIZENS BANCSHARES, INC.

Complaint:
This is not a duplicate item. Nor was the last case submitted to you all. Any further attempts to not submit the requested information will result in legal action. Several collection agencies have contacted me stating that your company sold them debts for all closed accounts with XXXX XXXX. I believe that I am victim of undue harassments. In accordance with the FCRA and FDCA, please send the following : -A list of fees that were charged to the account -when the accounts were closed -Who did XXXX XXXX sell the debt to and when was it sold. -Does XXXX XXXX or First Citizens Trust have any interest in the debt and if so please provide any contact information on who to contact to settle any balances that may be due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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: WELLS FARGO & COMPANY

Complaint:
Wells Fargo Mortgage loan obtained XXXX company has repeatedly send me emails about documents to sign. 
The bank send me a thank you for signing the documents I did not sign. I have not signed any documents after XXXX. 
I have repeatedly asked the bank to send me copies of these documents. 
The bank ended up sending me documents from XXXX and will not release anything else I asked documents that have been signed from XXXX and on and will not reply or send me the requested information. The cosigner and I are no longer together I believe she is forging my signature the bank is aware of our separation and will not release me any documents signed with my signature Unauthorized.

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 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC

Complaint:
On XX/XX/XXXX I purchased a new BMW XXXX XXXX. The car was financed by BMW Financial Services. I have never missed a payment but I have taken advantage of XXXX payment deferrals and XXXX Covid related deferrals, totaling 8 monthly payment deferrals. Since around XX/XX/XXXX, I've been paying my payments through the XXXX XXXX with the exception of a couple times. Earlier in the summer of XXXX, BMW Financial claimed I was 90 days late. That surprised me but I thought well maybe I am, and I paid additional monies towards my loan in an effort to bring it more current. In XX/XX/XXXX, I received a letter from BMW Financial stating my loan had matured and I had an outstanding balance of more than {$10000.00} and that payment was due at once. This is in the peak of the height of used car values skyrocketing because of the chip shortage from Covid and manufacturers weren't able to produce new cars. My immediate thought on the letter was that BMW XXXX is acting in a predatory manner to wrongfully repossess my car because its value was approximately twice what I owed on it. The letter claiming my XXXX payment has to be more than XXXX times my monthly payment. Even though I thought I had this letter straightened out, and continue with my monthly payments of {$920.00}. I go to make my payment in XX/XX/XXXX and my debit card wasn't working. I call to make the payment and the representative, XXXX tells me my payment is 152 days late. This was impossible because I'd been making my payments all along. Before calling to make my XX/XX/XXXX payment, I had initiated buying a house and was in the process of getting a mortgage and discovered some errant reporting on my credit file by BMW that I was more than 90 days late. When I made the XX/XX/XXXX payment I also requested XXXX to get the information at the credit bureaus corrected. She had already identified the problems behind my payments being late as being made through the XXXX XXXX as being received but not applied on the dates by the App. I called yesterday to check on the status my request for the corrected credit bureau information. I spoke to XXXX, XXXX, XXXX, and XXXX. They all refused to provide me answers and released the calls. Today, I called and spoke with XXXX. He at least wasn't defensive and did listen. But nothing had been updated with the credit bureaus and even though I'm making regular payments I'm still continuing to be late day-by-day. I have every reason to believe BMW XXXX is acting in a predatory manner and making every attempt to fraudulently repossess my vehicle. I need CFPB to intervene to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: EQUIFAX, INC.

Complaint:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were Unknown - XXXX and XXXX XXXX XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.

Complaint:
Date was XXXX Amount {$730.00} CREDIT MANAGEMENT Ive tried to dispute this with XXXX   and they dont want to remove it XXXX has remove it I do not have any knowledge of this account I shouldnt have this on my credit it I did not authorized this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX 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 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I've reach out to the creditor XXXX on numerous occasions about a late payment that's on my credit report and nothing was done. Finally they tool it to the XXXX and immediately XXXX reached back out to me we came to and agreement to resolve this I held my end of the bargain they told me they solve the issue and the negative report will be removed from my credit report. I gave it some time I check my credit it was still there I reach out to Experian & XXXX they both said XXXX still show late payment. I call XXXX and ask them why is this still there on my credit report they said they changed it on their end so it should have been updated on my credit report, so they said what I should do is file a dispute and this way once the credit bureau reach out to them then they'll have it updated. I just got back my dispute results and they basically now saying they not changing it. I have the emails which I will attach to support my argument and how unfairly I am being treated. I don't know if it's the credit bureau EXPERIAN XXXX XXXX who's refusing to update and remove those late payments from my report or XXXX lied to me but I need this to be fix and removed/ updated 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 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation