hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I am making you aware of this because current law does not provide for egregious and damaging score reporting unsupported by statistical evidence. A years -long perfect credit history recently was marred by a mistake by an ex spouse still with an open shared account for which she is responsible. 

The resulting delinquency resulted in a FICO drop of over 100 points. There can not possibly be any statistical or actuarial evidence that this represents actual credit risk. 

I intend to file against the credit reporting companies regarding this if it's not corrected, and want you to note this is an 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 2022-04-18
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: CITIBANK, N.A.

Complaint:
This has finally been resolved, after my calling and complaining for weeks. Now I want to report CITIBANK XXXX Customer Service and executives for allowing a {$3600.00} fraudulent transaction made by XXXX Rent A Car for renting a car I rented for one day to continue to be charged for one month against my credit card. I called XXXX and wrote executive management and I called Citibank XXXX and finally wrote to its CEO. Both companies have had a major breakdown in their customer service protocol and each insists they handled my problem appropriately, as is commonly done and within protocol ... NOT SO!! It took weeks of complaining to get this charge off my credit card. XXXX has an internal allowance and acceptance of fraud. 

I ALSO WANT MY NEW CREDIT CARD WHICH I NEVER RECEIVED BECAUSE OF THE FRAUDULENT {$2000.00} NEGATIVE BALANCE ON MY ACCOUNT!!!!!

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 2016-06-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: S&S Physician Services, Inc.

Complaint:
New cell phone number was assigned to me over 1 year ago and then shortly thereafter, Harvest-Inc. Medical Debt Collectors have contacted me almost daily using phone numbers XXXX ; XXXX ; XXXX ; XXXX in attempt to collect an apparent debt from another person. When I called them over a year ago and told them this was an assumed phone number from a previous owner and they told me who the debt was for, I informed them that person no longer had this phone number and did not reside here. Despite telling them this and also complaining to Do NOT Call Federal and State agencies, they continue to offend almost on a DAILY basis. My cell phone number filed with the DO NOT CALL agencies and which Harvest-Inc continues to call is XXXX. I have also sent Harvest-Inc. a letter form developed by the XXXX XXXX XXXX titled : Request for Debt Collectors to Stop Contacting You that gives them formal notice in writing under the Fair Debt Collection Practices Act to cease contacting me-EVEN though they were informed OVER 1 YEAR AGO they are contacting the wrong individual and that I am registered on the DO NOT CALL list, yet they have offended by continuing to contact me almost daily for OVER 1 year despite telling them to cease all contact OVER 1 YEAR AGO.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2021-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC

Complaint:
rmp llc account number XXXX this has been a torture to me and my credit, i know the .law and this is also illegal this is not my debt please delete this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc

Complaint:
Due to the outbreak of the Covid-19 virus many unforeseen changes took its course causing many not to be able to pay their bills on time including myself. Since the obligations were paid in full on XX/XX/2022, I request that you please stop reporting the accounts as late and delete them from my credit report as you are no longer owed this debt. 

I am trying to clean up my credit report and seek new credit opportunities. I have recently started a new business and are trying to secure business funding. Your company is hindering that progress and defaming my character causing me to be denied credit and funding to start and grow my new business due to inaccurate and unfair reporting. Please assist me in accomplishing my goal by deleting the accounts being reported to XXXX as I no longer owe you this debt. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

I am exercising my right. Delete the account.

15 U.S.C 1681 Section 604 A Section 2 : States a furnisher of information can not furnish consumer information without my written instructions. 
I did not give you consent. Delete the account. 

15 U.S.C 1681s2 : Responsibilities of furnishers of information to consumer reporting agencies must provide accurate information.

The information being reported is inaccurate.

Ignoring my attempts to have these accounts deleted from my consumer report is a clear violation of my rights according to the Fair Credit Reporting Act of all the laws stated above including 15 U.S.C 1681-violations for willful noncompliance- 616- Civil liability for willful noncompliance [ 15 U.S.C 1681n ].

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.

Complaint:
my wife was a co-signer on an automobile and received a XXXX XXXX XXXX to correct the problem and costs me to pay taxes on $ XXXX.This car was a lemon law by federal standards and Chrysler paid it off. Fortunately, however, the Internal Revenue Service takes a logical view of forgiven debt for co-signers. Treasury Regulation Sec. 1.6050P-1 ( 7 ) says that for purposes of filing, " a guarantor is not a debtor. '' It differentiates between those who get the benefit of a loan and those who guarantee its repayment. You are a guarantor, and so you should be off the hook. After many attempts to resolve this issue, I have decided Santana ( XXXX ) refuses to correct their mistake. Chrysler capital sent us a letter this account was paid in full XXXX title XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL

Complaint:
I financed a bed from a now defunct business. I cant find any info on what this name of the business was. The loan is from synchrony bank. The problem I am experiencing is that they failed to mention how deferred interest worked in full. I was told that as long as I made my payments I would not be charged any interest. What they failed to mention is that I had a deadline as well. They made no attempt to communicate this in store. and the app through which I pay did nothing to inform me of this coming issue. The info was there but only if I dug for it. They made no discernable attempt to make me understand the full breadth of the contract. On XXXX I started this line of credit. I was told that as long as I make my payments om time, no interest would accrue. I made all payments on time, sometimes more than the minimum. And on XX/XX/XXXX my undisclosed deferred interest date kicked in and I was immediately charged {$1300.00}, on XX/XX/XXXX they charged another {$71.00}, and on XX/XX/XXXX another {$66.00}. My minimum payment right now is {$95.00}. If things continue like this it would take decades probably to pay off, the APR is 29.99 %, they clearly intend to keep me in debt. This is designed to take advantage of people. I did contact Synchrony and all they had to say was " Sorry '' that I hadn't been informed of how this worked. They said I had a month after initial interest started to pay it off. But I failed to notice what they had done until the 30 days had passed.

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 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION

Complaint:
Someone opened a Pentagon Federal Credit Union Credit Card and Personal Loan in my name back in XX/XX/XXXX. I have contacted the credit union many times I have multiple police reports and FTC reports. 

XXXX has removed these 2 accounts but XXXX and XXXX have yet to

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 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.

Complaint:
Pennymac Loans # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have never missed a payment and my account is not past due but Bank of America notified XXXX that I am. 

BANK OF AMERICA NA # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX We investigated the information you disputed and updated : Balance ; Date Updated ; Past Due ; Rating. Here is how this item appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Line of Credit Account Loan Type : HOME EQUITY LOAN Balance : {$31000.00} DateUpdated : XX/XX/XXXX Payment Received : {$300.00} Last Payment Made : : XX/XX/XXXX High Balance : {$36000.00} Credit Limit : {$57000.00} Past Due : > $ XXXX Pay Status : >Account 60 Days Past Due Date< Terms : {$330.00} per month, paid Monthly >Maximum Delinquency of 60 days in XX/XX/XXXX and in XX/XX/XXXX for $ 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 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
There has been multiple teller withdrawals for my J.P. Morgan Chase Bank accounts since XX/XX/2023 in the total amount of est. {$4500.00}. I have spoken with branch manager at Chase, Chase protocol in preventing future frauds is unsuccessful. More fraudulent withdrawals kept happening to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
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: Experian Information Solutions Inc.

Complaint:
I just got my credit report after almost 2 years of not monitoring my report after getting calls by collections agencies asking me for my informations to verify a debt, which I refused to do and then checked my report. I have been a victim of identity theft and had fraud alerts placed on my reports 2-3 years ago YET some accounts have still been opened. 
Not just that they refused to removed addresses Ive never been associated with or like at AND XXXX has a ssn on my profile that isnt mine and REFUSES to remove it. 2 years ago I had them remove it by disputing it, I sent in a copy of my DL, a picture of my ssn etc and they told me it will be removed. They never did! They I called to let them know that XXXX XXXX Cant even generate my score because of mix match files on my report ( the ssn ) and they had the nerves to tell me nothing is wrong with my credit file and they can send me by mail my credit report. XXXX?!? I need to acces my credit report online! I dont pay {$29.00} to have to call you and request my credit report. I have been unable to open a checking account with XXXX XXXX even though I have a savings account with them because they uses XXXX and couldnt access my report. Again XXXX was no help. This is my last attempt before I lawyer up and sue them.

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 2018-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP

Complaint:
I had a checking and savings with US Bank. They sent the accounts which were offering a settlement. The accounts were sent back to the bank. When I tried to call and settle they refused the honor the settlements amounts because that was a third party and said I had to pay in full and did not offer me a type of settlement. One rep said that had to be done locally. I contacted the branch manager and CEO of the company and have not received any response back.

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 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.

Complaint:
I had an a credit card with citi bank between XXXX and XXXX and I believe the bank overcharged too much in fees and I received a letter stating I will be refunded but till today I did not receive in check from them.

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 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.

Complaint:
I pulled my credit report and noticed a hard inquiry dated XX/XX/XXXX.  This inquiry was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation

Complaint:
I recently discovered 6 different collectors that was recently reported to my XXXX  credit account that doesnt belong to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.

Complaint:
On XX/XX/XXXX, XXXX XXXX reported that I had a " major derogatory '' account 120 days past due to XXXX credit bureaus. I received an alert thru my credit monitoring service -- I have never received any communication about it or any amount owing whatsover from XXXX. 

On XX/XX/XXXX, I opened an account with XXXX because I intended to port my number from a different carrier, but decided against it and closed my account with XXXX the same day I opened it, on XX/XX/XXXX. I never purchased any equipment, activated a XXXX card, or used any XXXX services whatsoever. I have a statement showing a {$0.00} balance dated XX/XX/XXXX, and that was the last communication I ever received from XXXX. I have never received a bill, statement, notice, email, telephone call or any communication from XXXX XXXX since that date, or any indication that any amount was owing for any reason. 

On XX/XX/XXXX, the day I received a credit monitoring alert, I called XXXX, got passed around multiple times, and both the fraud unit and the " recovery '' unit told me the account had been sold to a collections agency called Convergent USA, and they could provide me with no information about the account, the amount owing, any bill, or the reasons for the report to the credit bureaus. I have never received any notice of any debt, statement, telephone call, email, or any communication from Convergent USA -- yet this alleged debt has been reported to the credit reporting bureaus.

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 2020-05-15
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: Experian Information Solutions Inc.

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2021-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc.

Complaint:
Upgrade , Inc. claims I owe them XXXX on a line of credit promissory note ( which doesn't make sense ) that they signed on my behalf without my permission. However, they can't prove to me that they sent me any money or why I owe them this money. I talked to them on the phone and they kept asking me for my bank account information to prove that I never received any money. I refuse to give them my banking info as I am concerned they will find a way to take money out of my account! I filed this complaint before under # XXXX and it was closed ; but now they have placed it on my credit and they are threatening to accelerate payments and demand payment in full on a debt I don't owe. I told their rep. to take me to court and I would show my bank acct info to a judge. However, I feel it is incumbent on them to prove they sent me the money. After all if they sent money to my bank account it will not be exposing confidential information to tell me what account they sent it to, would it? They need to prove I owe them this money! Any business that would send {$6500.00} to a bank account and not have proof of what account they sent it to is either incompetent or lying!!! I am attaching a police report, their phony loan document and a cover letter I sent to the credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
accounts are either listed as charged off, collection, or closed and showing a past due amount.

Company response to consumer: Closed with explanation