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

Complaint:
On XX/XX/2021 I sent a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item thru USBK Court of Colorado. I contacted the US Bankruptcy Court of Colorado directly to dispute the item in question and they replied in writing that they do not report or send information to any websites, internet search or credit reporting agencies. I then went back to Transunion and showed them the letter from the US Bankruptcy Court of Colorado and still no verification. The letter stated that they do not report or work with any credit bureau to verify this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is preventing me from the access to purchase a home and causing me hundreds more in interest every year. I have tried to provide everything possible to Transunion to resolve this issue I also sent proof that this was deleted from my XXXX XXXX report as well due to being unable to verify as well. I have still gotten no where but the same result and information no proof. On XX/XX/2021 I received a letter from Transunion stating that they reinvestigated and account is verified as accurate. Again they have not provided me any proof of where they are verifying this information from once again. They again have provided the same response after my initial complaint. This item needs to be deleted from my credit report if it can not be verified within 30 Days.

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 2018-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.

Complaint:
On XX/XX/XXXX I went to my PayPal account to make my payment, but the credit link was not there. I thought it might be a glitch, so I tried again on XX/XX/XXXX, with no luck. On XX/XX/XXXX, or XX/XX/XXXX, I tried again. Still no credit link, so I called customer service. The woman I spoke with said that PayPal had done an internal audit, and found that I had filed bankruptcy. The account was closed, and I could no longer make payments to that account. I said that didnt make sense, and that I wanted to speak with her supervisor. When he got on the phone he said that because I had filed bankruptcy in the past, I should have never gotten credit to begin with. So in accordance with PayPal rules, and regulations the account was closed, and written off, and I was no longer responsible for that account. I asked for written confirmation to that fact. He said he would send me an email, but all I got was an email saying that I had a message in my secure PayPal message. I went to my messages, and there was no message. 
When I checked my email the night of XX/XX/XXXX, I received an email that my PayPal account was available again. After being told that it was closed, and written off 6 weeks before. So I called back on XX/XX/XXXX, or XX/XX/XXXX, and was told that oops, we made another mistake ; I was responsible for the account again. 
This is wrong. PayPal shouldnt be able to do that. 
I am XXXX, and live on a fixed income. I have been trying to pay off my credit accounts, so when that supervisor said it was closed, and written off I expected it to stay that way. 
I have been trying to find someone that could help me with this problem since I found out about it, but no one has been able to help me. Then I called the XXXX, and they told me to contact the CFPB. I hope you can help me with this problem. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
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:
XXXX accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
This is one of my NUMEROUS 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please remove the account : XXXX XXXX XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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:
My lender spoke with me about my report and there are many items that are incorrect/ I am not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
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:
This account still shows on my credit report with an incorrect balance. The collection agency was supposed to have the account deleted from my credit file after paying the settlement amount. It has not and was recently disputed XX/XX/2022 and remained as verified which is incorrect.

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 2018-02-08
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:
cra violation equifax breach cause me to destroy my credit file XXXX  taking more than 90 days to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC

Complaint:
I reviewed my credit report and located this transaction in the amount of {$45.00}. I have never received a bill from this company and I'm concerned because I feel as though my HIPPA rights have been violated as well. I have never authorized to make payment to this company nor give them the option to bill me for any services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.

Complaint:
I am still having an issue of opening a Chase Checking Account online at chase.com because of the fraudulent account that was opened in my name. Chase originally informed me that fraudulent Chase checking account that was opened in my name, the fraudulent account was closed, I wasnt responsible for the fraudulent checking account and that I could go online at chase.com to apply for a Chase Checking Account, but when I try to apply for the Chase Checking Account online. The online system on chase.com stated theres already a Chase Checking Account that exist on record. Thats the fraudulent Chase Checking Account that has not being deleted or removed from chase online checking account application process or Chase Electronic Records. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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: WELLS FARGO & COMPANY

Complaint:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2018-06-10
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:
After pulling my credit report it was discovered that there's accounts on my report inwhich I have no knowledge of nor has anyone reach me about the change in my report. I'm respectfully requesting physical documentation for the following accounts or by all accounts these accounts shall be removed in accordance with the FCRA rule of law. The following accounts are, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.

Complaint:
To whom it may concern, My name XXXX XXXX. My husband has a repayment agreement with CitiBank to repay a loan I took This was forced on him because I filed for bankruptcy and he was forced to agree to repay the loan with a fixed interest rate of 7 % and a fixed payment amount. I have been making payments because he has almost no income, and payments have been made on time and for the correct amounts, but for the second time, CitiBank is trying to scam my account by reversing the payments I make to them, despite the fact that the payments are first accepted and the account which payment is made from always has the sufficient amount to make the payment. 
This issue has come up once again, I made a payment over the phone on XX/XX/XXXX, on a Checking Plus line of credit, # XXXX, which my husband has a repayment agreement with CitiBank at a rate of 7 %. I was told that the payment will be processed on XX/XX/XXXX. On XX/XX/XXXX, I called to ask if the payment was processed. I tried to make a payment for the second time and I was told that everything was fine and the payment was processed. 

However, XX/XX/XXXX, I received a bill stating that no payment had been made. I called immediately to fix it and made an ADDITIONAL payment of {$100.00}, calling the Citibank number XXXX. Representative XXXX, said everything is fine and the account is in good standing. 

Today, XX/XX/XXXX, I received a letter from CitiBank that they can not find anything about my account and that I should contact the bankruptcy department. I called today, and spoke with representative XXXX. I gave them my social security, my account number, my address, but representative XXXX refused to speak with me unless I give him the exact date that my account was opened. I do not recall this date because it was so long ago, and I do not understand why this is needed when I had already provided A ) An account number B ) Social Security Number C ) Address D ) My full name All possible information was provided. I do not understand why CitiBank is unable to access my information without the date the account was opened. I strongly suspect that this is made to defraud me and prevent me from making payments or discussing my issues with CitiBank. There is no other reasonable explanation.

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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These XXXX accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.

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 2019-04-17
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:
Good Morning, I am filing a complaint with the consumer financial protection bureau against Navient, my student loan service provider. Since XX/XX/XXXX i have held a student loan with them. From XX/XX/XXXX to XX/XX/XXXX/XX/XX/XXXX I have made my payments on time every single month. Typically we mail in 2 checks in one envelope to cover the costs of the loan. For the past 12 1/2 years we haven't had a problem. All of a sudden the past 6-7 months, every time we send our checks into Navient they are being misapplied. They keep telling us we owe them money when we send in exactly what their requesting of us on the bill each month. Theres no way we ever owe them anything else. And every month I have been calling them when I get the bill to discuss this with them ( Ive talked to two managers and countless reps ) and theyve admitted to me that theyve misapplied the payments. One manager told me to start sending in the checks and denote each loan number and amount on the bottom of the checks ... we did that and they're still misapplying them and saying we owe them. Of course they blame it on their computers and never once human error or carelessness. And every time I call them, they end up readjusting/updating my account to reflect paid on time status because they admit that I did send in what i was supposed to, its just that they misapplied it. I am beyond tired of having to call them every month for an obvious scam they're trying run. They need to be sued and shut down. Id appreciate a response. Thank you Kindly, Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint:
Since the breach my credit score is horrible like 500.ny mortgage and other good accounts are gone my fico now XXXX.ive written called and no help. I could not get a XXXX loan. I need this fixed. Help

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 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
XX/XX/XXXX I called a company name XXXX XXXX XXXX with an inquiry dated for XX/XX/XXXX. listed on my credit report to request a copy of the credit inquiry or credit account and full documentation bearing my signature allowing them to pull and place a credit inquiry on my XXXX and Equifax credit report. I spoke with XXXX in customer care, who was very rude by the way. She could not find an account nor a credit inquiry with my name or SSN as well. She connected me to someone else by the name of XXXX in customer service who didn't have a badge number as well, that there is no account nor a credit inquiry with my name and that is all the information they could give. They didn't care to hear my concern about the false credit inquiry, being reported and damaging my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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: Experian Information Solutions Inc.

Complaint:
I have submitted disputes several times to Experian/XXXX  and XXXX  and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX XXXXNOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXXXXXX XXXX XXXXXXXX XXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979

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 2023-01-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL

Complaint:
XXXX is in direct violation of 15 USC 1692 ( d ) ( 4 ) : The advertisement for sale of any debt to coerce payment of the debt.

According to the FDCA, this is a direct violation of my rights and I am entitled to collect damages, minimum {$1000.00} for every violation that XXXX has committed against me. 
Synchrony Bank has equally violated my rights specifically as it relates to the aforementioned law code. 
I request that the alleged XXXX account ending in XXXX is immediately removed from my credit report. Should a XXXX representative choose to deny this request, you hereby understand and agree that XXXX is liable for the damages that have occurred due to any and all violations committed by XXXX which shall be restored with monetary relief.

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 2020-10-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST

Complaint:
Hello, I have a Bank of The West XXXX  account. Started out as a combo saving and checking account and now they have done away with the saving acc. My checking account was {$16.00} short. I was charged on XX/XX/20 a {$35.00} fee, on XX/XX/20 a {$30.00} dollar overdraft fee, on XX/XX/20 a {$35.00} fee, on XX/XX/20 a {$35.00}? All for the same overdraft? Apparently every time XXXX makes a request for funds I have to pay another {$35.00}.? This is FRAUD. I have repeatedly requested that the bank not process any inquiry when the balance is XXXX or below. They refuse. When I try to get cash from the machine and the account is low, The machine says your request can not be processed at this time?. Why can't they do the same for XXXX instead of robbing me. 

If this is the built in way banks are allowed to rob old people I will be forced to withdraw from this FRAUDULENT SYSTEM. P.s. Thanks for bailing out these Criminals!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.

Complaint:
I am sending this complaint because a charge-off and collection account with Ford Motor Credit account number XXXX has hit my credit report when this account is a business account under XXXX XXXX, EIN XXXX. The issue with this is not the ownership or the debt, but the fact that a business debt that was established an paid for by the business who was also issued a Corp Code with the DMV in the State of NJ to register this vehicle, has affected my personal credit report and even though there was exceptional payment history, your company has chosen to destroy my credit rating by inaccurately reporting this account as a charge-off which is a violation of the Fair Credit Reporting Act. I would ask that your company furnish the document and phone records that show you have previously attempted to have me rectify this debt and also provide documentation that substantiates the debt that is being reported. I also received a letter from a XXXX , XXXX XXXX XXXX that is currently being reviewed for any violations of the Fair Debt Collection Practices Act, and if there is, I would be entitled to {$1000.00} per the FDCPA and any statutory damages that I have suffered as a result of this account being reported on his credit report. The account was previously disputed and marked as resolved and accurate. But after I receive documentation of this account that shows inaccuracies, that will also mean we would have violations of the FCRA which would bring other issues.

Company response to consumer: Closed with explanation