hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.

Complaint:
When I make purchases through my account I have the necessary funds. CHASE takes the payments in a way where I get charged overdraft fees even when XXXX of my purchases occured before I took the one that brung me into overdraft. Completely unfair and I have paid over thousands of dollars in over draft fees over the past year. It 's like they try their hardest to kicj you when you 're down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL

Complaint:
Synchrony Bank closed 5 of my accounts with them this past fall. All 5 accounts had XXXX balances. 4 of the 5 closed accounts had been active within 90 days prior to closing. None had ever had a single late payment and all had relatively healthy credit limits, a few of which had very been recently raised by Synchrony ( mere days before closure ), demonstrating my credit worthiness, according to their own criteria. My one remaining account with Synchrony, a XXXX issued credit card, has since had a credit limit increase. Again, this demonstrates the creditor 's endorsement of my credit worthiness. 

My credit score at the time of closure by Synchrony was hovering in the XXXX range and showed 100 % on time payments across ALL accounts of record. My job has not changed in 8.5 years, though my income has increased steadily over that time. My debt to income ratio at the time of closure was at its all time best.

In addition to the closure, I had rewards points accumulated on my Synchrony Bank issued XXXX. All points were wiped out with their unilateral closure of that account and I was told they were forfeited upon closure. This is unacceptable and Synchrony Bank has been sued in California for this very practice ( and lost ). If they are not going to honor their rewards points agreements, what good is having a rewards card? 

I have recently discovered online hundreds of other similar complaints by consumers for similar closures or unwarranted lowering of debtors ' credit limits by Synchrony bank, demonstrating a pattern of bad faith practices on the part of this creditor. This practice makes it difficult for consumers to maintain high/optimal credit scores when their accounts are arbitrarily closed by the creditor with no explanation or warning. They must be reigned in from continuing this practice. What is the government prepared to do about this on behalf of consumers everywhere?

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 2021-07-08
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: EQUIFAX, INC.

Complaint:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
This bank is not doing their job they still have yet to reimburse me for my claim they are doing whatever they want with my account they are not handling my concerns properly or professionally people like me are still trying to get back in order after these past 2 years of XXXX I need my funds released from this bank sooner then later theres no reason I am being told everyday that its pending then told Im denied but its still pending investigation that doesnt make any sense I want my claim reopened and treated fairly and respectfully and properly this bank should not over see anyones funds at this point this bank has become a major problem in my life I need my XXXX dollar claim approved and I need to be reimbursed for this like they said they would because I need my money now iv faxed them documentation police report number my drivers license as well I want my money out of this Irresponsible bank now not later they take forever just to fix my claim then they approve me for one claim saying it was error on my account then under that same card and account telling me it wasnt no error made make it make sense Im doing their job for them its bad enough they claims department did not dispute all my unauthorized transactions like I asked I found that out this year so they had to go back to last year to fix the account they just paid me out for transactions from last year they system is weak I never seen a bank XXXX its customers over so much Im entitled temporary credits on that claim especially after all the XXXX iv received from this bank so can the cfpb please make sure they release my credits properly and Expeditiously because I have my kids to look after and Im depending on my money to be returned to me Bank of America has made easy for these criminals to steal from their customers Im not liable for this claim I know it and Bank of America knows it to they just like to do whatever they want to people amd their money its not ok this bank is horrible the worst bank on earth they can not be trusted with anyones money at all 2 years of this horse manure is enough and I would like to sue this bank for pain and suffering and bad buisness practice with my 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 explanation
Consumer complaint received 2021-08-26
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:
I am filing a complaint against Equifax, XXXX  and XXXX XXXX as they are not complying with their own policies in a timely manner. They had 30 days to review my dispute and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
After doing a deep dive into my credit report I noticed a significant amount of inaccurate information. There were multiple accounts that reported with different dates and amounts. I even noticed some accounts I didnt recognize. I tried disputing these negative items with all three credits bureaus directly, but Ive yet to get any progress toward getting these items removed from my credit report. According to the 15 U.S.C 1581 Law there should not be any negative damages to my credit report, this is setting me back time to start my business. Back in XXXX of XXXX I noticed some of these items were on my XXXX XXXX and XXXX accounts so I disputed them online, if given the option to. However, every item was said to be verified by each company, some of which were collectors at that point. So I asked for the information used in the investigation to come that conclusion, in which that was never provided. On XX/XX/XXXX I contacted XXXX, XXXX and Transunion by phone to update my information on file and I provided them with my most up to date address and phone number. After this I pulled my full credit report and asked each bureau to deleted each negative item still reporting on my credit report, in which they still have not done so or provided information used to determine their decision. Ive prepared a letter of each item, the date and reason it needs to be removed. Ive also attached screenshots of my credit report where the information is inaccurate. I hope this information is helpful to you in the process of helping me getting these items removed. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
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: Avant Holding Company, Inc.

Complaint:
In XXXX, there were multiple hard credit inquiries made on my credit. XXXX XXXX, WebAvant LLC on XX/XX/2022, and XXXX XXXX XXXX Bank on XX/XX/2022. Noticing multiple hard inquiries that were not requested by me, I submitted for a credit freeze on my XXXX account since thats where the first hard credit notification came from. 

In XXXX, I received many alerts from XXXX, XXXX, XXXX XXXX and other credit monitoring services asking if I opened a new credit card or tradeline. After checking my credit report I noticed the following new accounts. 

A credit card from AvantLLC was successfully opened by somebody using my identity in 1 day and currently has a balance of {$59.00}, which is all I can see on my XXXX report. I immediately sent an email to AvantLLC on XX/XX/XXXX explaining the fraudulent account in which they replied my information in the email doesn't match any accounts they have open. They responded on XX/XX/XXXX and asked for " information we can commonly use to find accounts includes name, date of birth, last four digits of Social Security number, email address, telephone number, and street address. '' I didn't feel comfortable sending that information to them though email or over the phone since I've never even heard of the company before. 

A credit card was opened through XXXX XXXX and the by the time the credit card was reported on my credit there was a {$3000.00} balance. 

After seeing multiple hard pulls and then the credit accounts actually having been opened I reached out to XXXX and XXXX to have fraud alerts placed on my account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.

Complaint:
I sent Citibank a letter to attempt to settle this old account that was a charge off since 2013. The sent me a letter saying they would update the credit bureau 's. They reported that I was 60 days late. I have settled the account and want to have this corrected as paid.

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 2022-03-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.

Complaint:
I had an auto loan with Ally Financial opened on XX/XX/XXXX. In XXXX of XXXX I encountered financial difficulties and was unable to make payments, and the car was repossessed a few months later. I had a second auto loan in XXXX of XXXX from Ally which I also fell behind on, and it was also repossessed during that time. 

In XX/XX/XXXX, court case XXXX ( Ally Financial XXXX XXXX XXXX XXXX , the XXXX Judicial Circuit Court certified a class action for customers whose autos were repossessed prior to that date. I was subsequently notified that I was a member of that class ( details on the court case are found here : http : //www.allynoticeclass.com/. ) As part of the final amended settlement order issued XX/XX/XXXX, Ally Financial was ordered to cease reporting repossessed tradelines to the CRAs and to request deletion of these tradelines. 

The settlement order instructs Ally to maintain an email address, XXXX, for customers to contact to notify Ally that their tradeline has not been deleted and to request that Ally send a " XXXX  XXXX  XXXX  '' or similar to the CRAs. On review of my credit report from the XXXX bureaus dated XX/XX/XXXX, one of my Ally accounts was deleted in accordance with the order, but the second was not, despite also being covered by the order. I contacted Ally Financial at the XXXX email address requesting deletion, but have received no contact from them, nor have they sent a deletion request to the credit 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 2023-06-29
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: FIRST PORTFOLIO SERVICING INC

Complaint:
I've already submitted my police report on the fraudulent accounts to be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC

Complaint:
I review my credit report constantly due to being an identity theft victim several years ago and notice that I still have 5 collection accounts that have never contacted me by mail or phone. One is for XXXX XXXX which was my ex husband 's accounts. Every complaint I make results in immediate contact by the collection company. It has been several years and at this point have done everything to prove I am a victim. This ruined My life way to long.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.

Complaint:
In early XX/XX/XXXX, while filing XX/XX/XXXX taxes, I realized that my private loan XXXX statement had no interest claimed on it. Upon further research into my payments ( interest amounts etc ) and research into obligatory reporting by lenders I found that several thousand dollars in interest SHOULD have been reported and were not. I contacted Navient, the lender and after sending them paperwork verifying that I was a XXXX XXXX XXXX AND the money was used for tuition/school related expenses ( they claimed it was not ) they did in fact issue an amended XXXX for XX/XX/XXXX. 

Realizing this had been the case for XX/XX/XXXX I then researched what interest I claimed on my taxes for XX/XX/XXXX for my private loans serviced by Navient. Although I was in school for part of the year in XX/XX/XXXX and had deferred my loans I still had payed well above the {$750.00} legally required for it to be reported ( in fact I paid close to {$3000.00} that year as well in private loan interest ). I made another phone call and they requested I submit the EXACT SAME FORM I had already submitted for XX/XX/XXXX-in fact there was nothing, whatsoever, that would have differentiated these 2 forms. Initially I was resistant to doing this again as it involved faxing these forms at MY expense of time and money to them and they already had signed proof that the money they loaned me was used for school while I was a XXXX XXXX XXXX. Over the course of XX/XX/XXXX through now ( XX/XX/XXXX ) I contacted them at least twice a month and submitted these forms for XX/XX/XXXX not once but twice and they have still not provided me with an amended XXXX for XX/XX/XXXX. Most recently I contacted them on XX/XX/XXXX and they said the form would be available by XX/XX/XXXX- this did not happen. I called today and they said it would be sent by email within 24-48 hours, the same story as all prior phone calls. Each time I call they tell me in 24-48 hours I will get an email with the amended form or that it will appear in the tax statements section of their website when I log in. I have spent many many hours on hold and on the phone with them for a form they have a legal obligation to provide to me with the correct interest amount on it and I believe they are simply running me around.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Calls from this company off and on for at least XXXX years. Each time I have to prove I am not the person they are trying to contact. Each time they say they will take my number off the list only to have them calling me again a couple months later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
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:
I sent a handwritten letter to EQUIFAX which was received on XX/XX/XXXX2022 ( certified mail # XXXX ) describing the inaccurate nature of some accounts on my credit report and requested it be deleted immediately XXXX XXXX : XXXX : {$7900.00}. On XX/XX/XXXX EQUIFAX received an Identity theft report packet ( Certified mail # XXXX ) containing a cover letter, my SS card and a copy of my drivers license to proof it was sent by me. EQUIFAX then stated over the phone that the account in question had been removed. However, it still has not updated on my credit file and has been re-inserted. This action is severely harming my ability to obtain new credit and obtain new housing due to the impact on my credit score. By federal law EQUIFAX has ASSUMED a vital role in assembling and evaluating consumer credit and other info on me as a consumer. As a CRA their are required to exercise their GRAVE responsibilities w/ fairness, impartiality and respecting my right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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 have previously submitted valid Identity Theft reports to Experian, XXXX, and XXXX # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my report

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 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
XXXX has sent me 12 letters in regards quote : TO PROTECT ME THE CONSUMER THEY CANT GRANT ME DISPUTE REQUEST TIL NI SEND THEM PROPER IDENTIFICATION there idiots and responses are frivilous I sent them Passport State ID and Copy Of My Bank Statement as well attached again with this XXXX Complaint since I have 22 open complaints against XXXX Experian XXXX at CFPB lack of responsabilitys to enforce I am asking all 22 open cases to be closed as I have exhausted myself with this waste of tax payers money agency CFPB and exerciscising my right with Attorney to represent me, attached is my last of many open complaints here AGAIN FOR THE RECORD PASSPORT STATE ID AND BANK STATEMENT ( XXXX JUST GOT ADDED TO THE LAWSUIT ) CFPB PLEASE BE ADVISED IAM GATHERING INFORMATION TO SEE IF I CAN ADD AS WELL you have closed and responded many and tagged it as duplicate THESE 3 CREDIT BUREUS AS WELL AS ME YOUR AGENCY IS A JOKE AND THESE 3 IN REGUARDS NO HOW TO MANIPULATE YOUR SYSTEM the attached is AGAIN proof that XXXX as well XXXX responses are not alone lyes but slapping you in the face stating they can do what ever there hart desires CFPB YOUR NOT AT ALL HERE TO PROTECT US YOUR JUST A MIDDLE PERSON PROVIDING PUBLIC INFORMATION were investigating if your even publishing this XXXX SEE ALL LIABLE IN COURT MARK MY WORD

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 2018-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc

Complaint:
XXXX/XXXX/2017 XXXX XXXX XXXX XXXX " original creditor '' {$420.00} Harassing calls to pay debt even offering payment arrangements. 
I was victim of identity theft and contacted by police.

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