hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL

Complaint:
On XX/XX/2021, I sign a contract with a HVAC company to install a new heating and cooling system in our house. The Company estimated it was a " 3 day job '' and would be finished by the end of XXXX. 

The promotional financing terms and conditions stated that I was preapproved and the charge would be made once the job was complete. There were delays, supply issues, etc and the job was not completed at the end of may. However synchrony called to confirm that that company had said that the job was finished and that they had charged the card and a payment was due. 

I contested and disputed the charge on XX/XX/XXXX since the job had not finished and the contractor should not be paid the entire amount of the contract. 

I received a letter on XX/XX/XXXX stating that the dispute had been resolved in the merchants favor. Enclosed was the response from the merchant that stated without any supporting evidence that the job was " almost done '' and would be done on XX/XX/XXXX and there was no reason for the dispute. 

On XX/XX/XXXX, I faxed evidence contradicting several claims in the letter from the merchant as well as evidence that the job had STILL not been completed and the company did not have a good relationship with us. 

I heard nothing from Synchrony bank. On XX/XX/XXXX, I called and asked synchrony to review the evidence. They stated they had and that they had already reached a decision and " I needed to wait for the decision letter ''. I asked for the date of the letter and they referred to the XX/XX/XXXX letter. I asked them again about the evidence I had submitted on XX/XX/XXXX and they said they would have to open a new dispute. 

I am very concerned that synchrony bank is not doing its contractual due diligence in reviewing disputes and is unfairly closing the dispute process prematurely without any effort to validate any of the claims made by the merchant or providing us an opportunity to respond when the company offered no evidence to support any claims.

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 2022-01-25
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 am a victim of identity theft and have provided All three credit reporting agencies with copies of my identity, police report and FTC report. I have requested for a fraudulent account to be removed from my credit report. The attached Credit Reporting agency has not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: SYNCHRONY FINANCIAL

Complaint:
In XXXX with the fair reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the rights to privacy. 15 USC 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Also under 15 USC 1666 ( B ) a creditor XXXX not treat a payment on a credit card account under an open and consumer credit card as a late payment for any purpose. I request that all late payments to be removed from my credit report according to my rights mentioned above. Thank you in advance for your help in protecting my rights.

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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.

Complaint:
I had auto Loan account Loan was for is for {$15000.00} Amount I paid entire loan {$29000.00}. Loan contract was signed on XX/XX/XXXX Original Rate on agreement was XXXX. % for 60 month terms that would have matured in XX/XX/XXXX. Santander bank misrepresented the terms of the Extensions and did not state that my rate would increase. The Respondent misrepresented to me the impact of receiving a loan extension, including by obscuring that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments, in violation of sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536. Under sections 1053 and 1055 of the CFPA, 12 U.S.C.

I did contact the Executive Complaints office that reopened my account to be settled as I was not informed on the filing of the charge from the Attorney General as they did not send me any information due to not confirming my correct address which i always updated. I was never provided any information on this case and how I was clearly a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I want to file this complaint to TRANSUNION. I sent them a letter dated XX/XX/2023 regarding the inaccuracies in my report such as late payments, incorrect charges, date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY

Complaint:
Someone added me as an authorized user on their American Express card. Amex did not disclose that it will report the opened date of the account instead of the original primary account holder information as it is. They never disclosed the right information and what they reported impacted my credit score and the age of the accounts. Amex is not following the same practices that other credit card companies follow. I want to report this so that the Amex policies can be audited.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
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: Experian Information Solutions Inc.

Complaint:
There are two of student loans on my credit file that I have been disputing since XX/XX/XXXX.The loans are being reported inaccurately with late payments..XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX.I was never late the accounts were in active Forbearance.I provided proof from the data furnisher.The accounts were not corrected to Paid As Agreed.The CRA has answered my disputes as Verified as Accurate which is impossible if a reasonable investigation had been carried out.It is a violation of the law to continue to report inaccurate information.

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 2023-07-28
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: EQUIFAX, INC.

Complaint:
I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after I sent a letter. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX Balance : {$86.00} XXXX XXXX  XXXX Balance XXXX {$250.00} XXXX  Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Re : Complaint Regarding Wage Garnishment and Unauthorized Withdrawal by XXXX XXXX XXXX, XXXX on Behalf of Midland Credit Management , Inc . 

Dear Sir/Madam, I hope this letter finds you in good health. My name is XXXX XXXX XXXX, and I am writing to bring to your attention a matter of great concern regarding an ongoing issue with XXXX XXXX XXXX, XXXX and Midland Credit Management , Inc . 

I reside at XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and my contact number is XXXX. Recently, I have experienced significant financial distress due to an unauthorized wage garnishment initiated by XXXX XXXX XXXX  XXXX on behalf of Midland Credit Management , Inc . This matter has caused undue hardship for me, as I do not owe any money to any company or entity associated with this garnishment. 

Here are the details of the situation : XXXX XXXX : Cause No. : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Withdrawn : {$3600.00} Legal Order Debit Contact : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Case # : XXXX I would like to emphasize that I have never had any dealings with Midland Credit Management , Inc. and have never incurred any debt with them or any other company. It appears that there has been a grave error or misunderstanding in this matter, leading to an unjust wage garnishment and unauthorized withdrawal from my bank account. 

I kindly request your assistance in investigating this matter and facilitating the return of the wrongfully withdrawn funds to my account. Additionally, I seek your intervention to ensure that XXXX XXXX XXXX XXXXXXXX and Midland Credit Management , Inc. cease any further actions related to this erroneous garnishment. 

Please find enclosed copies of relevant documents, including bank statements, withdrawal records, and any other documentation that may aid in your investigation. I am more than willing to cooperate fully and provide any further information required to resolve this issue promptly. 

I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers ' rights, and I humbly request your assistance in resolving this distressing situation. I look forward to a prompt and satisfactory resolution of this matter. 

Thank you for your attention to this urgent matter. I can be reached at the phone number provided above, and I am available to provide any additional information as needed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.

Complaint:
I applied for a Citibank Best Buy no annual fee store card. I was denied the card due to " Insufficient Credit Experience '' but they still offered me a different card with a {$59.00} fee. My credit is impeccable with a XXXX Fico score on my Citibank web site and I have over 40 years of excellent credit history and I hold most major credit cards including a Citibank card with a {$19000.00} limit, XXXX, XXXX XXXX also. This seems to me to be a case of bait and switch trying to upsell me to a card with a fee. The free card had a offer for a 10 % discount on my first major Best Buy purchase. I made such a purchase for a total of {$3300.00}.

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 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX {$590.00} ; XXXX XXXX XXXX {$240.00} ; XXXX XXXX {$880.00} Accounts are not mine and were illegally put on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
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:
Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.

Complaint:
Since XX/XX/XXXX unfortunately I have had many credit reporting issues with Ally Financial. I have consistently made on time payments with my account being on autopay. The company previously went 6 months without reporting to the credit bureaus when my payments were on time and it was not until I called an complained that they reported my updated balance to the credit bureaus. In XXXX I alerted the company of an accounting change I was undergoing while switching my primary banks. Due to the account being on autopay I alerted them of the change. I was incorrectly advised that my payment was made successful for the month and I didnt owe anything. Had I had been properly advised I would have made sure that an additional payment was made so that there wasnt any chance of a payment reflecting late. Before this instance I had never made a late payment in fact it has always been on autopay since XXXX so I could stay accountable and make on time payments. Since this instance I have updated my autopay and continued to may additional on time payments. This has since prevented me from obtaining a mortgage loan due to the company providing me incorrect information. This does not show my true credit worthiness and had Ally alerted me sooner or the issue I would have had time to rectify the situation before it was considered late. Besides this Ally had been a great company to work with and has been there for me for all my first as this was my first vehicle financed. I hope that Ally can resolve this matter in good faith so I can obtain my mortgage loan and they can continue to be there for my future firsts! 

The photo attached is from XXXX after speaking with multiple reps who advised the payment was successful I updated the autopay on file and also saw that the account was reflecting current and already on to next months payment as if the XXXX payment was in fact made successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc

Complaint:
AD Astra is a ttempting to collect a debt on behalf of  XXXX   XXXX . I did not receive a right to dispute the alleged debt . I sent Ad Astra a  validation of debt letter and they sent me a bill as validation of debt. I sent them another letter on  XXXX / XXXX /   2017  asking them to validate the debt as a bill is not validation. I also asked them to send me a copy of the agreement between the company and myself where I stated I agree to pay the alleged debt. The company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.

Complaint:
Reference number XXXX I have a Chase Freedom credit card for few hours and I have a good credit history. Chase sent a message various times I am pre-approved for CHASE SAPPHIRE PREFERRED card. I have applied online with all the details, chase team has pulled hard credit inquiry and not processed my application. When I called them they asked me to submit the date of birth and address proof documents. I have asked mode of document submission and they have given me an option to submit through Chase mobile app " Secure Message Center. I had submitted my documents within one month range of application submission and also I got a confirmation from XXXX XXXX [ Chase email Servicing ] AOC : XXXX phone # XXXX on XXXX at XXXX. No action from Chase team again I called them, and they asked me to submit the documents at Chase bank branch. I had submitted documents to Chase bank on XXXX to XXXX to fax at XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX I have called the Chase team again and they told me we have not received any documents and denied the application. I need justice why Chase team has wasted my time and why they denied my application though I have submitted my documents? Unnecessarily I lost my valuable time and it impacted my credit report/score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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: DISCOVER BANK

Complaint:
I am soliciting your assistance to put an end to Discover credit card 's illegal and unfair credit reporting practices as they are impacting me directly : There was an erroneous charge to my Discover credit card. My balance was {$0.00} at the time of the charge and I had no balance due. I was not made aware of the charged item until I received notice that My FICO had dropped nearly XXXX points as a result of a negative reporting from Discover. Because I had no balance due, as with most of my credit cards, I never stopped my busy life to review what should have been a {$0.00} balance monthly statement. 
Discover maintained they could not remove the late until the vendor acknowledged and corrected their mistake. 
Subsequently, the vendor acknowledged their mistake and reversed the charge. 
I followed up with Discover only then to be told by supervisor, ( insert name here ), they would reverse the late fee, but not the reported late payment to the Credit Bureaus that was destroying my credit. They maintained that the erroneous charge is not their fault, so they are not compelled to correct the record. 
Because of Discover 's purposed negligence and FALSE REPORTING, my current refinance is costing me thousands of dollars more. 
Please advise me on how to recoup my financial losses, current and projected, caused by Discover 's False Reporting. 
Please advise me on all of my legal remedies to force Discover to correct the record. 
Please advise me on all of my legal remedies to force the credit bureaus to remove the negative item from my reports without adding a dispute to my record even with Discover not currently following the law. 

Most appreciatively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.

Complaint:
I have three 3 credit card accounts. Chase is reporting two old addresses to XXXX and XXXX on all three accounts. I am trying to have my old addresses removed from my credit report and only have my current address listed on my report. I have lived at my current address for nearly five years. When I contacted XXXX   and XXXX  and asked them to delete the old addresses, they said they could not because Chase is still reporting these addresses each month. Please stop reporting my old addresses and please remove them from my credit file. The only address I should have listed is my current address. See attachment for more information.

Company response to consumer: Closed with explanation