hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
At XXXX on XX/XX/XXXX, my father and I went to the Bank of America branch to withdraw a cashier 's check $ XXXXWe were met with unreasonable demands from bank XXXX XXXX 's induced questioning and bank manager XXXX XXXX! same time I called Bank of America to complain ! The end result was that all of our family 's Bank of America accounts were closed on XX/XX/XXXX cant withdraw money

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 2022-10-06
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:
n accordance with the Fair Credit Reporting act XXXX XXXX  {$830.00} 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 2023-02-21
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete the following items immediately : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
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 do not have any debt or mail going to : XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX This is not mine. 

Thank you, 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 non-monetary relief
Consumer complaint received 2021-06-28
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: Experian Information Solutions Inc.

Complaint:
Collection account from XXXX XXXX  XXXX  should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection 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 2022-04-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
ON XX/XX/XXXX I submitted a request to rent a car using my credit card through a company called XXXX which would use XXXX to have my car ready at XXXX XXXX XXXX in Florida on XX/XX/XXXX. 

Due to a delayed flight, i immediately filed a contacted rental car company which instructed me to contact XXXX, I did promptly, XXXX said they can reassign my rental car but I'd have to talk to the company used to have them release it. XXXX XXXX did and said they'd be able to process a new rental with the roll over credit. Due to the flight delay, I had to change airports from XXXX XXXX to XXXX which XXXX allowed. 

Upon completing the rental and returning to my residence, I noticed I was charged twice from XXXX  I called XXXX about or around XX/XX/XXXX and they indicated XXXX & XXXX XXXX no refunds... despite them saying it otherwise on the call. I'd not have gone through the process if they would have told me. I filed a dispute with my credit card company USAA and attached the following information. 

ReRE : Dispute Case # XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Attached is an update from the previous update : XX/XX/XXXX - XXXX did indeed reference their terms and conditions, but at the same time offered to swap the rental. Because I was unable to pick it up in XXXX XXXX, they cancelled and changed the reservation. This was XXXX, not XXXX. The fact they are now attempting to assert the XXXX & XXXX are binding is irrelevant as they themselves waived the terms on a phone call on XX/XX/XXXX. XXXX has denied my request for the recorded call to confirm the waiver. I am asking you to reopen this investigation and charge back the amount for these conditions. I am happy to provide a phone log from my XXXX where you will see I spoke to XXXX, XXXX, then XXXX  again. 

XX/XX/XXXX - Rental Car submitted for pickup on XX/XX/XXXX. 
- Due to cancelled flight originating on XX/XX/XXXX was unable to pickup car and thus called XXXX who said Id have to contact XXXX ( the supplier ). XXXX changed the rental through their systems but then XXXX cancelled the original order and changed it to reflect new pickup date. 
- They stated that there was no additional charge as I hadnt ever picked up the car in the first place. 
I I did pick up the car from XXXX XXXX and then realized I was charged for the first car despite being told it was a simple transfer ( and the car was never picked up and XXXX was notified of the change prior to pick up time. ) - USAA denied stating autoeurope attached their XXXX & XXXX and USAA won't go against their conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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 has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by XXXX which shows my account as a charge off with money due to them. I have requested an extensive amount of information from XXXX which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.

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 2021-11-03
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 — Investigation took more than 30 days
Company: LEXISNEXIS

Complaint:
I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.

Complaint:
In XX/XX/2019 I went into a local dealership to lease a vehicle and was persuaded to finance instead. 

Santander was the financing company. The interest was so high with a monthly payment of over {$800.00}. 
I figured later that I was trapped. 

I later found out that there were several others having the same issues with Santander USA and that there was a lawsuit settlement against them. 

I had found out that based on the terms and requirement of the case I would be qualified as part of the settlement. 
I reached to them by mail and had gotten no response to date. They however have since repossessed the vehicle and reported me to the credit bureaus. 
My credit is completey burdened by this and all I'm seeking at this time is a little assistance in getting some justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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:
Equifax is reporting a closed student loan account over 180 days past due. I have had my student loans consolidated and they are reporting in good standing. The open consolidated student loan account ends in XXXX is in good standing. Equifax is reporting an account that ends in XXXX as currently closed but has an active date of XX/XX/XXXX but it's been closed since XX/XX/XXXX and my loans have been consolidated for over a year. There is no history of payments provided either to show I was over 180 days late. 

I have tried submitting a dispute to get the account removed and Equifax commented this account is not currently reporting on my Equifax credit file and it is. It's not been updated nor Equifax didn't investigate this. They are reporting inaccurate information because it's not showing the history of the account and it's clear the account is on my report. 

I have attached my credit report, the letter that I sent to Equifax, and their investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Hi CapitalOne team, As I was reviewing my account and credit report I noticed the following compliance-related issues due to inaccurate information in relation to billing statements compliance, per FCBA, and CARES Act 4021 ( FCRA ) reporting issues compliance. 

I never received a billing statement, electronic or regular mail, showing a balance after the XX/XX/2020, payment was made. 

Reporting incorrect information and non-compliance with FCRA and provision of the CARES Act section 4021. Failure to update and set balance to XXXX. 
Failure to provide accommodations during the COVID-19 National State Of Emergency. ( CARES Act section 4021 ). 
Failure to provide current status for account information ( CARES Act section 4021 ) Failure to provide timely and accurate billings statements if a balance is due per FCBA. 
FCBA requires periodic ( normally monthly ) billing statements if there is a balance due. 
I never received a billing statement, electronic or regular mail, showing a balance after the XXXX payment was made. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
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: CORELOGIC INC

Complaint:
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX / XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2023-08-11
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. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX 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 an 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
Consumer complaint received 2023-07-14
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2021-06-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I contacted Experian to get them to investigate inaccurate, false and misleading information on my credit report. They have responded that they need to check with the data furnisher to see if what they posted is correct. By FTC Regulation all information report on a credit report must be 100 % accurate. Why do they need to now check to see if the information the report is correct. It shouldnt have been reported if they were not sure of its accuracy. They are in clear violation and in non compliance with Basel3 and FTC Regulations.

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 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I disputed many times to verify a capital 1 account that is seriously doing damage to my credit profile.The capital 1 account ending in XXXX was opened in XXXX which is 8 years ago, The date of first delinquency is HIGHLY important because the report would have been deleted from my credit profile if that date is before XX/XX/XXXX. I asked the capital 1 to provide me with proof of payment detail but they continue to update unverified and inaccurate information that does not support my claim and ignore what Im actually disputing. Proof of inaccuracies are the last payment date showing as XX/XX/XXXX but pic of payment summary shows account is 90 late on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Resurgent Capital Services L.P.

Complaint:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch

Complaint:
SECOND ROUND LP is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I was denied an apartment with XXXX XXXX on XX/XX/18 because of my credit score. Upon looking at my Experian report, I noticed several inaccuracies. When I attempted to contact Experian online, I was told my dispute could not be filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Product: Credit 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: GOLDMAN SACHS BANK USA

Complaint:
on XX/XX/2021 someone used my credit card to order something with XXXX. Since this is an Apple credit card, when I got a notification of a pending transaction, I immediately notified Apple Card Customer service. I never had a postmates account, never used their services. Yesterday I received an email stating that Goldman Sachs Bank USA has investigated my transaction dispute, and it's been resolved in favor of XXXX XXXX. When I called them to find out why several customer representatives told me they have proof from the merchant. When I asked them to provide me with the proof, one of the managers said " actually when I open your file, there is no proof, anyway for right now you are responsible for this transaction, or we can reopen your case '' seems like whoever was working on my dispute case just decided on their own, without having any evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions

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

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