hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC

Complaint:
A purchase was made from a furniture store called XXXX XXXX XXXX  on or around XX/XX/XXXX of 2021 the amount approved for financing was {$3300.00} after a down payment of {$55.00} I picked up furniture the next day at which time the company sent me a text message on XX/XX/2021 stating that the payment per month would be {$640.00} plus taxes after adding this monthly payment amount up I determined that I would pay double the amount financed so I contacted Acima credit to return the merchandise they in turn had there resolutions department email stating that they could not take merchandise back but suggested several options 1. A reduced payments of {$690.00} starting XX/XX/2021 thru XX/XX/2021 or to donate the merchandise to a non-profit organization ( the non-profit organizations would not take mattresses due to covid and merchandise could not be split up ) so I took the option of the three payments the first payment was made on XX/XX/2021 when XX/XX/2021 came this amount had not been debited so around XX/XX/2021 I received an alert from my XXXX credit alert that Acima had reported the debt as thirty days late I then contacted the company at which time they stated the payment was not made and the attempted to debit my account I advised her that I lost 40 points from my credit score due to the inaccurate reporting of this action she stated that it was accurate I then stated to her that from XX/XX/XXXX to XX/XX/XXXX is not thirty days she then stated that someone would contact me from the resolutions department at which time they offered me the same payment options three payments of {$690.00} which would be 4 payments seeing that one payment had already been made or the option of donating it to a non-profit organization. Due to this company 's predatory lending practices and destroying of my credit has made my life very uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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:
TransUnion report of account as derogatory is inaccurate account has been paid in full. TranUnion report of status as repossession is inaccurate. XXXX last reported and last active date is inaccurate.

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 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc

Complaint:
I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC

Complaint:
I have several issues to report. I never went by the names of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX. I never lived in XXXX, KY at XXXX XXXX XXXX. The XXXX XXXX XXXX account that is being handled by XXXX XXXX XXXX for {$150.00} I have the equipment that needs to be turned in. Account # XXXX. Was opened XXXX XXXX. The account XXXX XXXX XXXX XXXX opened XXXX XXXX for XXXX XXXX XXXX XXXX the amount of {$270.00}, # XXXX is not mine. I never received this service. Credence Resource Mana for XXXX-XXXX  in the amount of {$150.00}, account # XXXX opened XXXX XXXX I'm assuming is for the XXXX XXXX XXXX bill so I don't know why it's on my credit report twice. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX so you can mail me any paperwork that I need to fill out. Thank you very much! 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-07-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I am writing to bring to your attention an issue regarding the withholding of my credit card rewards by Bank of America. In XXXX, BoA closed my credit card ( ending in XXXX ) citing risk concerns. It is important to note that I have always paid back the full amount on my credit card without delaying a single day for the past XXXX years. Furthermore, I maintained an investment account with BoA, holding assets worth over {$400000.00}. 

Prior to the closure of my account, I had accumulated a total of XXXX rewards points from all my previous card purchases. These rewards points are equivalent to {$1300.00} in cash value ( see screenshot for evidence ). Despite making multiple calls to BoA, requesting the redemption of my rewards, I was informed that they will not process the redemption after the account was closed. It is worth mentioning that BoA has gained notoriety for withholding customers ' credit card rewards and has recently faced a significant fine of {$100.00} XXXX, as reported in this link : https : //www.consumerfinance.gov/about-us/newsroom/bank-of-america-for-illegally-charging-junk-fees-withholding-credit-card-rewards-opening-fake-accounts/ Regrettably, it appears that BoA has not made any improvements in this area, and I find myself to be another victim of this practice. Consequently, I kindly request Bank of America to issue a check in the amount of {$1300.00} to compensate for the rewards. 

Please be aware that if necessary, I am prepared to take legal action to seek a resolution to this matter.

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 2022-05-19
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 USC 1681 Section 602 States I have 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
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: EQUIFAX, INC.

Complaint:
Equifax and XXXX are incorrectly reporting me 120 days on the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX ( pages 4 - 8 on the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on accounts with a {$0.00} balance and {$0.00} past due.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Caliber Home Loans, Inc.

Complaint:
Name : XXXX XXXX DOB : XXXX LAST 4 OF SOCIAL : XXXX REPORTING COM : Caliber Home Loans On XX/XX/XXXX a mortgage company posted 30 days late on my account " Caliber home loans '' They haven't received my check And called me 7 days before the 30 days due date, I made the payment right away with their rep on the line, he DID NOT inform me that with the payment method I chose it will take them 7-14 days to receive check, they got the check 1 day after the 30 days due date and reported 30 days late. 
Lack of communication on their side while I was completely registered with them, including email and phone number and alerts. 
Tried to speak to their supervisor right after incident and they kept saying he or she is sick, took me 2 weeks to speak to a supervisor. 
I tried to dispute this and they are not cooperating with the beaural attempts to resolve this. 
Was reading other people complains online and I'm not the only one.

I have two mortgage companies I'm dealing with, and a problem like that never happened, I take my credit very seriously and because of their lack of communication I got into this situation. 
They keep saying that because it was 1 day after the 30 days than it's not an error, instead of taking responsibility for their actions, informing me sooner they haven't received payment and most importantly telling me to choose a different payment method so the payment will be reflected right away. 

Sent them a proof already that payment was made at the date of their call ( 7 days before the 30 days ) And a letter from the bank indicating I had over 30k in my account at the time, so there wasn't any problem with my ability to make payment. 

Please help me resolve this matter and to remove their late payment from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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 provided a notarized statement of fact that Ive been a victim of identity theft and the credit bureaus have not removed the 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 2022-12-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I sent the companies many documents to tell them I was a victim of identity theft. They threw out that people can steal bank accounts and your social security number to open an account in your name. They stated that payments were made in my name. They said because payments were made through that account, that's why the information was correct. I got a paper from XXXX stating that the account that they are referencing to the account was open due to someone stealing my identity, and they closed down because due to suspicious activities. They took very long to respond to emails and stated they were investigating the XXXX  document when I gave them the document was validated. I stated that the document was strictly confidential, and they wanted to contact me to verify the document. I called a XXXX, and XXXX said they don't share confidential information about their customer. The lady XXXX took it into her own hands to say that she would review herself when I told her I wanted the company herself. XXXX stated in the document that the bank did not belong to me and someone used my account to commit fraud under my name. The company is not helpful. They want to put fingers at you, not that someone else opened this account under your name.

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 2023-08-11
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.

Complaint:
On Friday, XX/XX/2022, I purchased a Vanilla Visa Gift card in XXXXXXXX XXXX  I loaded {$290.00} on it and intended to use it for our trip to XXXX XXXX XXXX. I was only able to make 3 small purchases with it all totaling no more than {$45.00}. This was due to a fraudulent charge to a clothing company in XXXX for {$250.00}. I immediately contacted the customer service number on the card and was told that I could not start a dispute until AFTER the charge was no longer pending. I asked to speak to a supervisor who told me that she could not stop the charge or dispute it until after the thief successfully stole my money. And then I would have to call back to start the dispute which could take 7-15 business days to complete. And I would only receive another card if they determined that I did not make the charge. I purchased the card in XXXX it was physically used in XXXX. The fraud was committed at a store in XXXX. So I waited for the charge to no longer be pending and called back. The employee I spoke to this time told me that I couldn't dispute the charges for an additional 45-90 days as they waited to see if the money would be returned to my card. I told them that the thief i snot going to return my money and advised him of what I was told by a supervisor the previous day. Also, since speaking with the supervisor on XX/XX/XXXX, I am no longer able to check the status of my card online nor am I able to use their automated services. The online site tells me that there was an error with the system and to check back at a later time and the automated service says that there is something wrong with my card and I would have to speak to a customer service rep. And also, when I called the second day, I asked to speak to a supervisor again and was told that one wasn't available to speak to me and that they would tell me the same thing. I just want another card issued with the {$250.00} that was stolen from me. I went through their chain of command and made several attempts to resolve this issue the way I was instructed. I'm not asking for anything other than what was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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:
On Saturday XX/XX/XXXX around XXXX I walked into the Bank of America Branch on XXXX XXXX XXXX XXXX XXXX XXXX NJ. 

I indicated to the teller that I wanted to take the remaining balance from the account ( around {$1200.00} at the time ) and take it as cash or transfer to my bank account at another bank. 

The teller first indicated that the card was " just a card and not an account '' and as such she pointed me to the ATM complete my transaction. Due to daily ATM transaction limits and uncertainty of the safety of carrying around a large amount of {$20.00} bills from the ATM, I said I wanted to complete the transaction in the Bank. The teller went on to say that she did not think such a large amount should be paid out to " someone who is not a customer '' even after I provided my State ID as proof of my identification and would not complete the transaction. She then said there was an issue with the network that would allow the transaction. I do not believe there was a network issue. I believe this teller was unwilling to complete my transaction. Further, I demanded to speak to a supervisor who turns out was even more uncaring and told me to go to the ATM if the teller told him to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
Loan cosigner talked with Navient to pay off the loan they are associated with. Total amount due for sending in payment was {$5400.00}. Navient only applied {$4900.00} to loan. Unknown where other money was applied. Navient shows this loan still has a balance of {$260.00}. Navient owes cosigner {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
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:
I had submitted complaint ID  XXXX  and this has since been closed. However, the matter has not been resolved. I sent the attached letter to  XXXX  on  XXXX   XXXX     2017  and have not yet received a response. I have also not received the {$100.00} in return that I overpaid on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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: Nicholas Financial Inc.

Complaint:
I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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: EQUIFAX, INC.

Complaint:
I realized I have many accounts, phone numbers, names, addresses, and socials on my credit report that do not belong to me in XX/XX/2020. I filed a police report and disputed it all with all three credit bureaus. They have not reached out to me about the investigation or when the accounts will be removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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