hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-07-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against TransuinoXXXX XXXX, XXXX and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.

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 2018-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL

Complaint:
XXXX XXXX closed my XXXX XXXX account as soon as I paid it off in full. There reason was because of what the credit bureau reported to them. I had not once been late with a payment to this account and I had enrolled in automatic payments to assure that the account would be paid monthly and on time. I 'm very confused!

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 2022-04-27
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/2022, Capital One Auto Finance reported a hard inquiry on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Riverwalk Financial Corporation

Complaint:
Already took it off my XXXX  but will not take it off my XXXX  the loan is from 2009 originally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL

Complaint:
My phone number has been receiving an average of 6 calls every day, sometimes more, from Synchrony Bank ( XXXX ), on behalf of T. J. Maxx, for a few weeks. I do not have an account with TJ Maxx. Apparently, my phone number is associated with someone's delinquent account. I contacted them directly and have now spoken with 5 separate people. One of their representatives said he would not remove my phone number from the person 's account because he couldn't update someone's contact information without her permission. He admitted he had no other way of contacting the person, and said he understood continuing to call my phone would not resolve any account issues, so his refusal to delete my information is nonsense. Every other person promised that they applied a fix that would immediately ensure I would not receive any further calls ; however, I have since received 5 more calls. I do not know the person whose account they're harassing me about and their continuing to call me will yield them no benefit. It is only frustrating and disruptive to my day.

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 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint:
I have credit issued to me for an overpaid balance. They are refusing to return that amount. I have fought with them over the phone numerous times. They keep hanging up on me and I have not received the amount! 

Citicards.com.

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 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
there is incorrect information 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 explanation
Consumer complaint received 2023-04-04
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-07-08
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: BARCLAYS BANK DELAWARE

Complaint:
I opened a Barclays account through XXXX to finance a laptop. Once I paid off the balance I closed the account but it didn't close rather 2 new accounts opened without my consent or knowledge.

On one of the " new '' accounts I received a statement via email saying I had a balance due. I phoned the number and reported this as fraud. I spoke with the fraud department again on XXXX XXXX and they said the charge had been declared as fraud and removed and a credit was posted on XX/XX/XXXX. 

On XXXX XXXX I received another email saying : " Your account is now seriously delinquent. We want to help and may be able to offer you options to prevent this account from being charged off on XX/XX/XXXX. 

But you must contact us immediately. '' I have spent hours on the phone with this company trying to close the two fake accounts that were never opened by me and to get the balanced removed off of my record! 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}XXXX XXXX Inquired on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.

Complaint:
In XX/XX/XXXX I was notified by XXXX that someone was attempting to open a XXXX XXXX account and a XXXX account in my name. XXXX stopped it, but the criminal apparently opened a bank account in my name and has bounced checks in my name. The original credit grantor AND their collection agency have been provided proof of the identity theft. 

On XX/XX/XXXX, they BOTH, in writing, promised to remove this account from my name and credit report, yet I received a letter today ( XX/XX/XXXX ) that is dated XX/XX/XXXX, that boasts that they are still reporting this fraudulent account on my credit report. 

They have been provided proof, they accepted that proof, they promised to follow the FCA and remove the fraudulent information, and are now willfully breaking the laws that are in place to protect consumers by continuing to report what they know to be a fraudulent account on MY credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.

Complaint:
Chase bank charges interest on interest. Every other credit card I have ever had, if you pay off your total balance by the payment date your balance remains XXXX until you charge something else. When you pay off the balance due on Chase, they send you a bill the next month for interest. You pay that off and the next month you get a bill for interest on interest. This will continue if you do not pay the new interest charges the day they hit. I dont think this is legal. This is the second time this has happened to me with Chase. I have closed the account and will never bank with them again. They are criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL

Complaint:
In XXXX 2017 and paid $XXXX to the collection agency. The collection agency removed their reporting to the credit reporting agencies and now I'm asking if this can be removed as well. I'm in the process of trying to buy a home for my XXXX son.

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 2023-09-06
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I made a purchase and change my mind. I contacted XXXX to no avail. I chatted, emailed on numerous occasions. All unanswered with a final one that gave some glimmer of hope- they confirmed the request to cancel was in the cancellation window and even offered ways to have my funds returned. When it was time to confirm the funds were to go back to my card, they said there was some kind of issue and that it would be escalated, and I would hear from them in the next 7 days. I never did. I opened a dispute and explained and sent PROOF of the many attempts I had made, confirmation of being in the cancelation window and being asked how I wanted my funds back. That proves I was correct. BUT Capital One sided with the XXXX and closed the investigation, I even spoke to a supervisor. She told me to send more emails to " build my case ''. I did so for absolutely nothing. Case closed. What in the world do I need them to dispute anything if they are not investing but rather taking the word of the merchant? The merchant that has so many complaints against them? They do not have a number to speak to anyone. I wonder why!! I spent hours trying to cancel. This is horrible and crazy!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION

Complaint:
I wanted to close credit card of Truist bank. Their credit card services sent me the bill of XXXX cents without explanation for what they are charging me. They put XXXX dollars as a previous balance, then XXXX dollars of fee charges and XXXX of interest charge. They wrote that if they will not receive your minimum payment I will have to pay late fee up to XXXX. They never sent me the bills before as my credit card was blocked by them and I could not see it on line banking. I paid them XXXX by check, because I am on low income and they are threatening me with their charges. But I want my money back and explanation about the charges on my account, I hope you will help me, regards, 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 2019-06-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
the following accounts have been disputed on these dates for this reason : XX/XX/XXXX19, XX/XX/XXXX19,XX/XX/XXXX19, Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX U.S. Bankruptcy Court # 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 2022-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA

Complaint:
I called MyFedLoan XX/XX/XXXX to ask for a refund for payments made during COVID forbearance. I was told that because my loans were transferred to XXXX, the refund would have to come through them. I had 15 total student loans- 13 of the loans were paid off through MyFedLoan prior to the conversion to XXXX XXXX I requested a refund from XXXX the same day - XXXX XXXX. I called several times to check on the status and was told by XXXX it was processing. XXXX XXXX I was finally told by XXXX the refund couldnt be processed because the payments were made and loans were paid off while belonging to MyFedLoan, and I would need to request through them. I called MyFedLoan to again insist for a refund. After speaking with 3 people, I got my refund request in, but was told the next day XX/XX/XXXX this would be canceled. They say that they are closing at the end of XXXX and will not have time to process my refund request. That I will have to wait until XXXX gets all the payment history transferred to them and then request the refund again in XXXX or later. This is a large sum of money that is being held when I am legally within my rights to request it be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
It has been problematic getting this resolved. I have no point of contact by email, chat or written communications digitally. I am also not able to connect with XXXX XXXX This account does not exist. It is the result of someone using my identity and past address, over 2 years after the last time I was there, and every creditor and provider was aware of where I was. XXXX XXXX can not find the account, presently, closed, or in archive. There is no record of this account that XXXX XXXX is describing in writing, nor does the information match the " database update '' account number they provided. 

My phone number was also different. 

Birthday is fraudulent, my birth date is XX/XX/XXXX. 

I was out of this address by XXXX, I was not using this card during the dates listed that I can find history of. The account information provided to me is fraudulent. 

According to XXXX XXXX Department, there is no account open or closed in my name being reported to the Credit Bureau. 

I also recorded the call at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX This is Bank Reporting Fraud, Banking Fraud , Credit Reporting Fraud, and Credit Card Fraud. 

It is shadow identity fraud.

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 2020-12-08
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: WELLS FARGO & COMPANY

Complaint:
A charge in the amount of XXXX from XXXX XXXX XXXX his my credit card on XX/XX/XXXX. I saw it on my statement on XX/XX/XXXX and contacted Wells Fargo immediately. I tried to call the number they provided for the vendor and it was a recording to contact your contractor directly and hung up. I called Wells Fargo on XX/XX/XXXX and filed a fraud report for the charge. They then said the charge was a famous Rock climbing place and was in line with how I go skiing with my kids and would not refund it and I would be liable for the charge. They then charged me back in XX/XX/XXXX. They gave me no other information, receipt or ways to contact this XXXX XXXX XXXX. I did not charge this or receive any services or even know who they are. I have tried to dispute again with Wells Fargo and they refuse. I have filed a complaint with the XXXX and gotten no where. This is a lot of money for me as I am a single Mom with XXXX children. Please help. 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 explanation
Consumer complaint received 2022-12-18
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:
XXXX, XXXX and Experian all should be reporting the same information for account statuses and amounts. They are not. There are major differences in my report. Experian is reporting delinquency on XXXX XXXX, XXXX XXXX, XXXX XXXX but XXXX and XXXX XXXX show either account on those reports. I want these DELINQUENT ACCOUNTS REMOVED FROM 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 explanation