hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-11-18
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:
The following Hard Inquires are unauthorized and unverified. Per the Fair Credit Reporting Act these must be removed from the credit bureau Equifax. 

XXXX XXXX  NA Date : XX/XX/2021 XXXX XXXX Date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2021 XXXX  XXXX  XXXX XXXX XXXX  Date : XX/XX/2021 XXXX  Date : XX/XX/2021 XXXX & XXXX XXXX  Date : XX/XX/2021 XXXX XXXX Date : XX/XX/2021 XXXX Card Date : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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, 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 XXXX XXXX XXXX, Amount : $ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX AMount : {$63.00} XXXXXXXX XXXX XXXX Amount : {$140.00} XXXXXXXX XXXX XXXXXXXX Amount : {$180.00} XXXXXXXX XXXX XXXXXXXX Amount : {$400.00} XXXXXXXX XXXX XXXXXXXX Amount : {$280.00} XXXXXXXX XXXX XXXXXXXX Amount : {$170.00} XXXX XXXX XXXXXXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX AMount : {$120.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$70.00} Date : XX/XX/2XXXX XXXX XXXXXXXX Amount : {$280.00} XXXX XXXX XXXXXXXX Amount : {$270.00} XX/XX/XXXX XXXX XXXX Amount : {$320.00} XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC

Complaint:
XXXX refuses to have correct data on my report. West Lake Financial reported a commercial loan, and XXXX refuses to mark the account commercial. The amount of the debt is fraudulent, and I proved it. And there are closed accounts from XXXX  that XXXX will not remove. 

West Lake Financial reported to XXXX that the account had XXXX owed and was charged off. Yet, when I contacted Westlake Financial on a recorded line. I was informed that the past due balance was XXXX. This is a commercial account, and I was NEVER told there was an issue with this account. I have another account with them, and they chose to ruin my credit with a bogus amount. I agreed with West Lake Financial for XXXX, and they are paid in full. They said that they were sending me a tax document. Any tax documents to me are a bogus report, and I am filing with the IRS next. They do not have the title to send me and refuse to mark this account commercially. And they are predatory lenders that my bank has flagged as fraudulent.

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 2019-02-20
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: EQUIFAX, INC.

Complaint:
I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, Equifax, and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I originally applied to XXXX XXXX for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX XXXX provided mortgage services to my account but was never the lender or owned my mortgage. XXXX XXXX is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX XXXX is also reporting the exact same information which is correct but XXXX XXXX XXXX need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.

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 2022-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.

Complaint:
I received a letter of debt collection from CMRE Financial Services , Inc.I do not believe that they are licensed in Illinois . They have an NMLS id ( XXXX ) and are apparently licensed in 11 states, but Illinois is not one of them. I am awaiting additional information from the hospital where this debt is alleged to have arisen. The debt is for {$200.00} and if I owe the debt I will pay the hospital, but CMRE should not be performing debt collection activities if they are not licensed in Illinois. I have also filed a complaint with the Illinois Department of Financial Institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
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: Experian Information Solutions Inc.

Complaint:
Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-09-17
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: EQUIFAX, INC.

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: REGIONS FINANCIAL CORPORATION

Complaint:
In late XXXX I received an e-mail invitation from Regions Bank to apply for a XXXX XXXX Credit Card which offered a {$250.00} reward if I charged at least {$1000.00} during the first 90 days. I received the card a few days later and made more than {$1000.00} in charges in the next few weeks. Today I called to see when I would see the {$250.00} show up on my account ( it shows activity on the card since I got the card in XXXX ) and was told I did not get a new credit card -- it is the same account number as an account I had in XXXX  but had not used for a long time. I applied online after I got the e-mail and got a new card shoertly after and that is the card I used. They are refusing to honor the {$250.00} clause but I have been receiving 1 % rewards and the card just started showing up on my on-line banking since I got the new card. They contend the rewards were only for new card holders and my old card disqualified me. Why did I get a new card? Why was I sent the promotion to earn the {$250.00} when I got the new card and started using it?

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 2019-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint:
On XX/XX/XXXX I received notification from XXXX XXXX XXXX that my employment certification form for the PSLF program had been processed. However, despite the fact that XXXX agreed that I had been in qualifying employment for the entire certification period ( XX/XX/XXXX-XX/XX/XXXX ), there were two anomalies in the certification report. First, my payment history clearly shows that I made 17 or 18 payments during this period, but XXXX XXXX did not credit me with more than 10 payments during this period on any of my loans. Second, for some reason, even though all of my payments were made by auto debit, and should have been applied to all of my loans, some of my loans show 10 payments while others show 8. After receiving this perplexing report, I asked XXXX XXXX to review their findings, as they made no sense. Was told, on XX/XX/XXXX, that a manual review would occur. Each time I call, they tell me it's not done yet, and they have no information regarding when it will be completed. It is now XX/XX/XXXX ( 111 days after the review was initiated ), and XXXX XXXX still has not conducted the review, and still has no estimate for when it will be completed. This is completely unacceptable customer service, especially when the ability to plan ahead for PSLF is such a vital component of my financial planning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
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: EQUIFAX, INC.

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint:
Back in 2022 I think it was someone took money from my bank account without my permission or authorization by hacking into my XXXX account and i contacted XXXX and they told me to contact my bank which i did and the amount was almost XXXX dollars which is almost all the money I had and was saving for a special occasion... .I had the same issues before with XXXX and XXXX and changed my password so many times but this person kept getting in there some how ... ..it 's not my fault and should not be paying the price for this ... .whoever banks with this bank better watch out cause they are giving people permission to steal money from you and they do not care .... 
Oh and their way of handling my issues with these apps and having this happen is to close my account and end my relationship with 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 2022-11-16
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:
There was a bank merger between XXXX XXXXXXXX XXXX and XXXX XXXX, during the transition period, my debit bank tied to my account did not process a payment to XXXX XXXX XXXX XXXX. As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and XXXX XXXX has refused to correct the error. This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.

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 2020-07-14
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:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these 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 explanation
Consumer complaint received 2022-02-04
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 disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.

Complaint:
I had these account for about 7 years, I had XXXX to deposit and went to the me I feel branch to deposit and was enticed to take advantage of the XXXX incentive. program and was told tof upgrade the account to premier plus. 

I have been displeased with chase over the last few months thus been funneling money to XXXX  XXXX. now they accused a {$25.00} fee ony my checking account I have had the whole time with chase. 

I combined to the lady, XXXX XXXX, who did absolutely nothing. at the XXXX branch that oversees to account therefore, she doesn't care, nor do I, so I want to close my entire accounts with chase and will gladly take my money elsewhere. 

I also want my {$25.00} back in will stand for inferior service and will not bank with chase again. I want everything removes and do not want my name on any mailing list with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LD Holdings Group, LLC

Complaint:
I started to work for the company LOAN DEPOT in XXXX of 2020. They Promised me a new position as a manager. This position the company has never had any of there current employees perform, so this is a brand new position opening up just for me. I accepted the job offer with the company they granted me a XXXX sign on, however I would need to stay with the company for 1 year prior to this guarantee being terminated. After accepting the offer and within the first month the job they had me doing was not the job they had me sign for. Nor would I ever be able to make the living I was hoping to make and they have promised me. I have a family and a home! There offer was a complete lie and I needed to make a change to clearly provide to my family. When leaving I asked if they would remove the guarantee they provided and they said no because I sign off on a contract to them. At that time I also stated back to them the offer they gave me and what I received were two different things and the offer was not held up on there side. They have no sent me to collections, I'm a licensed XXXX with another company and having problems with some state licensing because now I have an XXXX collection on my credit. The collection company calls almost daily, threatening me they were going to send it into collection and they have. So, why do they still call? Also, loan depot will not do a thing about it. I lost out on so much and was lied to from the beginning from one of the largest Mortgage companies in the US. I need this collection off my credit report. I'm asking for assitance from the wrongful way I was treated and being treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint:
in XXXX on XXXX XXXX on the corner of XXXX XXXX i think, can i ask you something chase banks used too print a new febit card on the spot if i lost mine so past time they like corporate law what coroorate its a bank? so they give me an XXXX XXXX yr old atm card but thing is, if theur printers print atm cards i dont think they get as a bank its still my XXXX money and if im im a store long story short can yiu ask XXXX   do i not look cia.gov cause no i know im not a chase private client, its ok i am with XXXX. my email XXXX  is XXXXXXXXXXXX so ond my buddies had the samr situation and they printed him 2 new debit cards in two days both in XXXX. intelligence identification protection act. im gon na change banks obviousky but instead og printig me a new debit like withh my friend goes we sent iy on XX/XX/XXXX si w/the holidsys XXXX thd holidays guy said hd special XXXX it two days to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.

Complaint:
I put a check in bank arournd XX/XX/22 I thought it was for a online job but it was a fraudulant check the Bank PNC let me know about a week later about it so than I started to notice They PNC Bank was letting my money go to different places I went in and asked to close my Account they told me They Don't Have any of my information and they could not help me. so another two months and I get XXXX and I can't pay my Bills and they claim I still can't close my account. so I got a new checking account and so far behind on my bills .Pnc Claims they did nothing wrong but where is my money!!! then they got a hold of my debt card too I don't Know what to do .I 'm trying to get off XXXX califorina address on my credit report but can't figure it out yet.scammers also got ahold of XXXX XXXX XXXX and took out loan now I owe them {$2900.00} I need Help!! 1

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Capital Management Services, LP

Complaint:
Collector keeps calling me on a fraud account that is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2018-10-19
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: SYNCHRONY FINANCIAL

Complaint:
Syncb/Walmrt inquiry from : XX/XX/XXXX est date of removal : XX/XX/XXXX this is a result of identity theft. 
i paid XXXX XXXX & the credit people to deal with this.

however, This Hard Inquiry is still on my credit 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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-26
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.

Complaint:
The office at XXXX Hospital personally keyed in the credit card info and amount said to be charged, each time we were there. Because they did not put in the right amount they are holding me responsible. It would be one thing if it was a one time mistake, but they charged the same amount 3 times and then say I did n't pay all of it. The card was to be run for the full amount.

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 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation