hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-04-23
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:
Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 3 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

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 explanation
Consumer complaint received 2018-09-07
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: GENTRY FINANCE CORPORATION

Complaint:
Upon Viewing my new monitoring services i noticed an account not belonging to me from company GENTRY FINANCE. This account does not belong to me and is fraudulent I am a victim of identity theft and it has been reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CIT BANK, NATIONAL ASSOCIATION

Complaint:
I have sent three emails to CIT Bank asking about the {$100.00} bonus I was promised when I opened this account. I was told I would receive this bonus if I kept an average daily balance of $ XXXX in this account for the first three calendar months AFTER I opened this account. I was also told I would receive this bonus within 45 days of the third month. So I should have received this bonus by now. I opened this savings account in late XXXX of 2017. I did in fact keep this balance through the months of XXXX, XXXX and XXXX. I have not received replies to my two most recent emails concerning this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-02
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: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX not conducting timely investigation.

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 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY

Complaint:
I signed up for an American Express gold card with a XXXX bonus point offer after spending {$4000.00} in four months. More than 16 weeks after meeting the spend requirement, the bonus points still have not posted. 

I first contacted American Express about this via chat on XX/XX/XXXX. I reached out again XX/XX/XXXX via chat and again via phone on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with The Fair Credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, XXXX, Account # XXXX XXXX @ XXXX XXXX original creditor XXXX XXXX, Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX original creditor XXXX XXXX, Account XXXX XXXX XXXX XXXX  original creditor XXXX, Account # XXXX XXXX XXXX original creditor XXXX, Account # XXXX XXXX  XXXX XXXX XXXX original creditor XXXX XXXX 

15 U.S.C 1681 section 602a States I had the right to privacy.

15 USC 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 2021-07-31
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:
This is an update regarding Complaint XXXX issued XXXX, It is now XX/XX/XXXX ... and there is literally NO RESOLUTION by XXXX XXXX XXXX ( BoA ). Since XX/XX/XXXX, it has been a series of delays and 'give us more time ' delays with no resolution by this bank. This is ridiculous! It's feeling like monthly stall-tactics are being used by the bank. Please note that social media is a powerful tool to upon other consumers about this bank 's activity. I've resisted use of social media up to this point thinking that proper resolution would occur at a reasonable time. Clearly it has not -- and now it is time to use this powerful too to warn others about XXXX XXXX  ethics. 
COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX General-purpose credit card or charge card Fees or interest XXXX XXXX XXXXXXXX XX/XX/XXXX Open Company response is in progress as of XX/XX/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 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.

Complaint:
The car was in an accident due to mechanical errors. I am out on XXXX because of this accident. CarMax took the car XX/XX/XXXX but is still reporting as if I have the car. I already voluntarily relinquished the car. Since they refused to fix it after I almost died in it. They have had the car for over a month and at are fraudulently reporting as if I have the car and not paying. The account was reported XXXX past due in XXXX now it's says XXXX past due and I don't even own it. They already sold it and they keep calling me every day harrasing me about the car when it's sold to someone else. I tried to pay them in XXXX for the car back if they corrected my credit report to say that it was not late or past due. Because it really wasn't if they fixed it so that I can drive. They are lying on me and it's distasteful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting Act, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to request an investigation and correction of the accounts listed below, which I believe to be incomplete and inaccurate on my credit report. 

The account in question is with XXXX XXXX XXXX, with an account number of XXXX and a balance of {$7900.00}. I find it unacceptable that this account is labeled as " XXXX XXXX, '' yet a balance remains on the statement. I request an immediate explanation for this inconsistency, as the balance is undoubtedly incorrect. I demand that you rectify the issue by setting the balance to XXXX or removing the item from my credit report entirely.

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 2023-09-01
Product: Credit reporting 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CRA : Transunion Address : XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of TransUnion, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. As a reference, please see the below inquiries : XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX  : Inquired on XX/XX/XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX : Inquired on XX/XX/XXXX I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have yet to give TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated.

Unless you can produce any proof or evidence supporting your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. You must report information accurately ; you are not doing that now. I look forward to TransUnion resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.

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 2019-10-18
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: Experian Information Solutions Inc.

Complaint:
I verify that I never made late payments to any student loan accounts with XXXX. And to verify that said loans belonged to me bearing my signature. All else is fraud and identity theft. 

Under ( FCRA ), 15 USC section 1681i, companies has to correct/update and remove accounts.

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 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/XXXX  I paid my credit card balance in full via XXXX XXXX  on line bill paid. We have been paying the same credit card via the same XXXX XXXXXXXX on line bill payment system for about 10 years. The payment was sent prior to the due date. On XX/XX/XXXXXXXX  I happen to notice that the funds were returned to my account. I contacted the credit card company as was told that 1 year previously their bank account addressed had changed and that just resubmit with a different address. I did resubmit and continued to follow up. When I received a statement without the payment applied and late fees and interest I called the credit card company a number of times. Even though the large payment was lost I made additional payments via the phone. More calls followed and more payments were made and the funds were finally returned. However late fees and penalties accumulated. While the card card company apologized for their errors they said that they were not authorized to waive the fees and put it into dispute however they never responded to the dispute. I could use your help address with this problem. 

thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
there was an out standing amount of XXXX XXXX showing against me from XXXX XXXX XXXX XXXX CONTRACT ID : XXXX which i had already paid on XXXX XX/XX/2022 at XXXX XXXX  but the company has reported my account as written off/wilful defaulter in the credit bureau and now i am getting trouble in getting any credits or loans.I ALSO RAISED A DISPUTE IN CREDIT BUREAU BUT NO SOLUTIONS TO THE PROBLEM.DOCUMENTS ARE ATTACHED HEREWITH.PASSWORD FOR XXXX  IS 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 2019-07-02
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 went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. I have reached out to the police in my city and the FTC. Im also doing this on my own behalf. XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX XXXX and there is another account as well that does not have a name. The account- # XXXX. There are o.lso some inquiries that are not mine XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
I am writing this letter on behalf of my father. I am his daughter and I just became care taker of his finances on XXXX XXXX, XXXX after he was hospitalized XXXX XXXX, XXXX. 
As I am currently reviewing my fathers finances, I came across his car note. I have many concerns about the contract being that my father is on a fixed income. 
He is requesting a reduction in the interest rate on the car payments. He requests you to reduce the current interest rate of 24.01 % to a more reasonable rate of 3.95 % so it is more in line with the current market rate for used cars. 
We have visited the websites of several competitors and notice that they are offering an interest rate much lower than what he is currently receiving. He stated that the whole process was confusing because of the electronic signature process. He was XXXX XXXX XXXX at the time and does not have a good understanding on todays technologies. After reviewing this information with my father, we feel that this contract is unfair. There is a scam that unscrupulous salesmen and load companies play on the elderly and I am hoping this is not the case. 
My father have been a solid customer with your company for the past 20 months and would appreciate your consideration of a lower rate on his account. You will find that he maintained an excellent history of payment with your company and would appreciate your consideration of a lowered rate at this time.

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 2017-10-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
My wife and I have a Bank of America XXXX. They detected fraud and issued us new credit card numbers, but the fraud charges continued immediately with the new credit card number. I was also using the card and sometimes the fraud charges were occurring on the same day as my charges. A third credit card number was provided. 

We were originally told that we would not be responsible for the fraudulent charges, but recently Bank of America told us in writing that they have concluded their investigation and we are now responsible. The total amount of the charges is ~ {$57000.00}. 

The reason why they are saying that the charges are not fraud is that someone ( male voice ) called from our home phone and approved at least one of these charges. So since the charges we are disputing include the " approved '' charge, Bank of America believes that none of the charges are fraud. 

My wife and I live alone, and no one else has access to our residence other than our cleaning lady. 

Bank of America has issued us new credit card numbers a few times now, always based on fraudulent activity that they detected. 

When I originally filed a police report on this fraud, I was told by the officer ( XXXX NJ Police Department - Case # XXXX ) that there is technology available known as " caller id spoofing '' that can make it look like a call is originating from a specific number, when in fact, it is not. This could explain some things. 

My wife and I did not make these high price charges on our Bank of America XXXX. 

I visited a Bank of America retail store because I was told I needed to substantiate my identity before they would talk to me. I did this. This was the only way I was able to find out the reason why B of A believes the charges were not fraud. 

I have yet to find out when exactly ( date and time ) the call or calls were made from my home phone number that approved the high price charges. 

Also it is important to know that I have been the victim of identity theft. Someone did open a XXXX XXXX XXXX XXXX ( XXXX ) in my name at a retail location and obtained {$5000.00} in instant credit, and purchased ~ {$4800.00} in  merchandise that day. I received the credit cards in the mail at my home address. I reported this to XXXX immediately and I am not liable for these charges. 

My personal information was compromised during the XXXX breech. I went on their webpage and did substantiate this fact. 

I feel that Bank of America 's identity verification system is not robust enough, given the widespread breech of personal information.

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 2022-04-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$1200.00} / XX/XX/2022 XXXXXXXX XXXX {$150.00} / XX/XX/2022

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 2023-03-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio recovery, a debt collector keeps calling me multiple times a day every single day, when I block a number they call me from they call me from a different number. This has been going on for YEARS now. The debt started with XXXX XXXX, which I DID NOT take those credit cards out, my ex boyfriend did and ran them up {$4000.00} on each card. I contacted XXXX XXXX and explained it was fraud and they told me that there is nothing they can do I'm responsible for paying it, long story short they cut the debt in half, I paid around 55 % of the debt and I told them I am NOT paying anymore because I should of had to give them a cent in the first place. Now portfolio recovery will NOT stop harassing me! Something needs to be done or I will take legal action. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
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:
On XX/XX/XXXX, Transunion received an identity theft report in according with the FCRA. FCRA states a credit reporting agency ( Transunion ) is required to block the information within 4 days. Transunion failed to block the information. Transunion does not have the authority to decline or rescind any block because it was not made in error, there was no material misrepresentation of the facts, and I am not in receipt of any evidence to which Transunion has determined that I have obtained any goods or services as a result of the blocked transactions. Additionally, since then Transunion has allowed the alleged accounts to continue reporting what should be known as false information. Transunion has failed to follow the requirements under 15 USC 1681c-2. Their failure has caused significant harm to my reputation and allowed for my private information to be obtained without proper systems in place to protect me.

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 2023-02-21
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
CAP1/XXXX {$950.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  {$340.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$490.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX

Company response to consumer: Closed with explanation