hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-01-04
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: EQUIFAX, 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDEN 1 CREDIT UNION, THE

Complaint:
I have had an account with Golden 1 Credit Union for almost 30 years and was able to continue with the account when I relocated to my home state of Alabama. I have an ATM ( only ) card which is tied into my savings account. I do not have a debit card due to the fact that privilege was taken away back in XXXX when I had an issue with my checking account. I always receive a new ATM card via mail upon expiration of the old one. I had not used my ATM card since XX/XX/XXXX due to to the pandemic and attempted to use it on XX/XX/XXXX when I discovered I could not remember my pin number. I called Golden 1 Credit Union in an attempt to recover my pin number, but discovered that the ATM card had expired XX/XX/XXXX, so I needed a new ATM card and could not remember if I had received a renewed one.Instead of the telephone teller stating that a new ATM card will be mailed out immediately, she copped an attitude and stated that I needed to apply for another one. I immediately quipped that was not the proper procedure for an ATM card, perhaps a debit card which I do not have. She demanded I apply for a new card which was very odd because I had never encountered this problem with my ATM card ever!! It arrives in the mail like clockwork when the old one has expired. She refused my request for a supervisor and demanded information for an application. I complied because I know I have a XXXX credit score and excellent credit and she stated it would be a soft pull. She immediately comes back to the phone and states " you're not qualified. '' Not qualified for what I replied. I then remembered that there is a freeze on my credit report and wandered how she pulled the credit. I received the denial letter today, XX/XX/XXXX, and refers to XXXX XXXX which I am assuming goes back to XXXX when I had a problem. I have never done a credit pull in the past for the renewal of my ATM card. I hung up the call and called back and demanded a supervisor. The supervisor investigated the situation and was perplexed and stated " there is absolutely no reason why you should be denied an ATM card '' and that she would send one out immediately. The bogus denial letter is attached.

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 2019-03-15
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:
XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX A XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.

Complaint:
On XX/XX/2016, I completed the rehabilitation process of my student loan with XXXX. Rather promptly, XXXX deleted their default tradelines from all of my credit reports as agreed. XX/XX/XXXX, I received correspondence from XXXX ( Sallie Mae ) that my loan was assigned back to them after rehabilitation. This correspondence was dated, XX/XX/2016. I took this as the start of the 30 day clock of notification that my student loan had been rehabilitated and to remove their default status per 34 CFR 682.405 ( b ) ( 3 ) ( ii ). 
On XX/XX/2016, I disputed the Sallie Mae tradelines with XXXX and XXXX. The tradeline was updated on both credit reports ( not sure what was changed ) however the default status persisted. In addition to that, on XXXX a new tradeline was added with the same account number, under the XXXX name with the default status also and tanking my scores! I have since disputed that tradeline which the investigation is ongoing as of today. 
On XXXX, I disputed the Sallie Mae default tradeline on XX/XX/2016. The investigation completed on XX/XX/2016 with an updated status. Like the other XXXX credit reports, the default status remained and is present today. 

The above clearly shows Sallie Mae/XXXX to not only be negligent as the lawsuit filed by the CPFB alleges but also willfully non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/2023 I received a call from Chase Credit card company, asking if I had changed my address on my account and requested additional cards. When I told them I had not, the asked me a security question and I refused to answer because they initiated the call. I then called the customer service number on the back of the card and was advised they were freezing the account and sending me new cards. They transferred my call to a security specialist and she help me change the Name and password on my account. 
Upon logging in with new info I notice statement for a XXXX credit card had a balance of {$8900.00}. The security specialist transferred me to a pass due specialist because the account had been closed. This representative said the charges were from XXXX XXXX XXXX XXXX on XX/XX/2023 for {$8700.00}. I explain to her that I had never made those charges she told me that my account would be credited. We discussed a Late Fee charge of {$29.00} and an interest charge of {$37.00} that would also be credited. Then on XX/XX/XXXX, we received an e-mail from Chase stating Your next payment is almost due for the amount of {$52.00} we found on our credit report from XXXX the we had a charge form XXXX XXXX for {$52.00} on XX/XX/2023. 
On XX/XX/2023 we called chase and was told we had credits pending to resolve my account ot a XXXX balance.

Company response to consumer: In progress
Consumer complaint received 2022-05-23
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:
FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Collection account. {$3700.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$6700.00} Status Collection account. {$6.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
My name is XXXX XXXX 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 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION

Complaint:
Today the date of the XXXX of XX/XX/2023 I called Navy federal Bank about my credit card. The reason for the call was to get info on why they never sent me a bill to my house they stated I signed something digital I asked for a copy of that and asked for my wet signature they stated they could not produce that to me. So then I said I need my physical bill so I can pay the bill the right way with remittance they stated we are going to send you a bill out in the mail. Then I asked them do I have equity in the securities that I offered when I signed this contract for this credit card the first person that was a customer service rep stated no you dont have no equity in Navy federal. I stated thats odd and then asked to speak with a supervisior. He got on the phone stated I heard you need help with your credit card sone complications. I stated yes I have complications and stated to him do I have equity in my securities when I signed my contract he stated no you dont have any and I asked him can I talk yo someone that is higher then you maybe your trustee or your cfo can send me a letter stating I dont have any. But thats something I know they are not going to do because it kinda states it on there website which I took I screenshot to show it states equity for members. And Im a member of this bank so Im asking myself it clearly states XXXX if there stating I dont this must be security fraud on there side because they legally placed the info on there website showing that members have equity. I need help with this please they wont let me transfer that equity to my principal balance to zero out my bill that is resulting in my being late. Account is # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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 believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 non-monetary relief
Consumer complaint received 2018-04-04
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: JPMORGAN CHASE & CO.

Complaint:
I have had several problems with my Chase Credit Card XXXX and asked that the account be closed after Chase charged me an annual feel of {$99.00} on XX/XX/XXXX. I sent an e-mail telling them to close the account and to issue the credit. They closed the account but they tell me the credit will not be issued for 2 billing cycles ( 2 months ). I have sent several e-mails telling them to issue the credit but so far, nothing is happening. I can not formally dispute the charge on my account as the account was closed on XX/XX/XXXX. I want the {$99.00} removed and do not want to incur any interest as I'm not going to pay the {$99.00} reflected as a balance on this closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: IQOR US INC

Complaint:
Allied Interstate reported a delinquent account from original creditor XXXX XXXX as a debt owed of {$360.00} on XX/XX/XXXX. Account was not on credit report at time settlement payment was made on the same day by myself. Spoke with XXXX XXXX ( identified as supervisor ) to request they remove from credit report. He refused to remove and stated they will update information as paid. I had already paid the settlement amount within timeframe given on letter received by the company which gave me up until XX/XX/XXXX to pay. Company never informed me they will be reporting this again after it was initially previously removed in XXXX. I informed this supervisor that not only did they report false information because account was paid but also they were in violation because according the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report. He continued to refuse. I also informed him I will be retaining a lawyer if the company continues to refuse to remove false information. 
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 2022-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc

Complaint:
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
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:
There are XXXX accounts on my credit report that are not mine I have been disputing these since XX/XX/2020 I have not receieved anything back from the bureaus regarding this I have filed an FTC and still nothing back from the furnishers or the bureaus I need this resolved asap. This is not ok to be dragged around like this for someone elses mistake. 

XXXX XXXX XXXX - Acct # XXXX {$1400.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX -Acct # XXXX {$0.00} XXXX - Acct # XXXX XXXX {$0.00}

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 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA

Complaint:
My student loans were transferred to a new service provider in the beginning of  XXXX . My original provider was  XXXX . My loan was transferred t o FedLoanServicing.  I made my regular payment at the end of  XXXX  and it was withdrawn from my checking account on  XXXX   XXXX .  FedLoanServicing h as no record of this payment and now I am being shown as being 30 days delinquent on my loan. I contacted  XXXX  initially they were able to find my payment and they indicated that it would be sent over to the new provider. I called back a week later, they noted they cant find my payment at all. They asked for me to send proof of payment. I sent the proof from my checking account statement. A week later, still no response or transfer of my payment. I am now being told that it will tak e 60-90 days for my payment to be transferred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
to my complaint # XXXX. Payment was sent to COAF in the form of a XXXX for fulfilment of payment defined by the IRS website which indicates that the recipient must file the form with the IRS to receive payment. Defined here : File Form XXXX, Acquisition of Secured Property, for each borrower in full or partial satisfaction of the debt, you acquire an interest in property that is security for the debt, You need not be in the business of lending money to be subject to this reporting requirement. Subsequent holder. A subsequent holder of a loan is treated as a lender and is required to report events occurring after the loan is transferred to the new holder. 
I was told that COAF does not accept XXXX as payment, however I was not given a reason why COAF could not accept the XXXX. Also by Postal Rule CAOF in fact have already accespted my offer of payment. I also sent a payment of Negotialbe Insrument money order payment coupon in which they also rejected : Definition- Negotiable instruments are mainly governed by state statutory law. Every state has adopted Article 3 of the Uniform Commercial Code ( UCC ), with some modifications, as the law governing negotiable instruments. The UCC defines a negotiable instrument as an unconditioned writing that promises or orders the payment of a fixed amount of money. 
so my case has note been properly handled by COAF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC

Complaint:
Debt agency no longer has ownership of debt since XX/XX/23. XXXX XXXX XXXX has collected payment and the collector will not remove the collection.

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 2021-11-02
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 have an old account on my credit report showing inaccurately from XXXXXXXX  the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in 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 2019-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Clearing House of America, Inc.

Complaint:
The original company never explained what this debt was for. I dispute the validity of this debt. I was never provided invoices or other information as to what this debt was about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
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: EQUIFAX, INC.

Complaint:
On XX/XX/2018 I paid for and received a copy of my Equifax Credit Report and FICO number. I spoke to their fraud and investigation supervisor who advised if I filed a police report for frauduluent identification which I did and fax it to them they would issue a revised accuarte report and correct FICO score within 8 hours. Equifax still is inaccurately reporting my acccounts with XXXX XXXX XXXX XXXX as being open when they are all closed and timely paid. off in full timely. My account with XXXX XXXX XXXX  and XXXX all have a XXXX  balance as all balances are from unauthorized fraudulent charges and XXXX XXXX  is reporting an inaccurate balance. 
Their confiirmation number since XX/XX/2018 iw XXXX,

Company response to consumer: Closed with explanation