hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-02-16
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2022-08-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.

Complaint:
Over the past 2 years I have made several attempts to remind XXXX XXXX of their duty under the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act. My records indicate that XXXX XXXX is reporting an account on behalf. By sharing my nonpublic personal information to NON AFFLIATED THIRD PARTIES. To my knowledge, I no longer have an account with their company.

Under the Gramm-Leach-Bliley Act a former customer that " has obtained '' a financial product or service from a financial institution but no longer has a continuing relationship with it. For purposes of your obligations under the Privacy Rule, a former customer is considered to be a consumer.

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available.

XXXX XXXX failed to provide a privacy notice, including an opt-out notice prior to sharing my NPI with these nonaffiliated third parties. 

EXPERIAN XXXX 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 2020-08-23
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 have sent 4 letters to Experian asking them to validate some collections, charge-offs and a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am getting ready to send them my final letter with the intent of filing a lawsuit.

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 2023-05-07
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
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio recovery calls every day even on sundays. I block the number and they call from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Paycheck is being garnished for a credit card Under XXXX, XXXX XXXX XXXX that was discharged under midland funding in XXXX. Midland funding online shows dates of payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Yet XXXX XXXX XXXX says acct was opened on XX/XX/XXXX, last payment on XX/XX/XXXX and opened on XX/XX/XXXX. 

Last statement from XXXX given to XXXX XXXX XXXX shows a Credit report shows a cancellation of debt amount added to last statement of XX/XX/XXXX.. Which was the bankruptcy discharged old account. 

Credit report shows i had a XXXX acct closed XX/XX/XXXX paid as agreed opened XX/XX/XXXX and another closed XX/XX/XXXX opened XX/XX/XXXX. They are bouncing my account all around to collect a debt that was discharged. 

I have emailed them proof and no response except my paycheck is now being garnished. 

My bankruptcy attorney is trying to help but I'm a single mother just fresh out of a XXXX XXXX marriage ( ended only 1 week ago ) a With XXXX kids. 

I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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 am a victim of identity theft. I contacted each of the consumer reporting bureaus XX/XX/22 letting them know that information on my file was inaccurate. I requested that those items and information be removed immediately because they violate rights given to me by FCRA. Those accounts and information remain. Also The XXXX XXXX is reporting information about my mortgage. I have never been late on my mortgage. XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX are also reporting accounts which are not mine.

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 2021-02-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.

Complaint:
I participated in an offer by Citibank to earn XXXX airline miles by having an account funded with {$50000.00} for a period of 3 months. They do not dispute that i complied with all elements of their offer as presented to me in their mailer. 

They opened a claim XXXX and sent my a copy of a provision they said was contained in their online terms and conditions ( which I have never seen before ) which stated that I needed to keep the account open ( not funded ) as to such a time that they got around to crediting the miles to my account. 

I operated in good faith and complied with the " fine print '' in the offer they sent me. 
Why didn't they add that simple bit of language to the original offer? I would have gladly left the account open a couple months as it had a XXXX balance and was of no consequence to me.

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 2021-02-24
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 have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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:
I have sent letters to the bureaus informing them that I was in fact born in XXXX, not XXXX, and i have requested over and over again to validate various accounts that are being reported incorrectly and not once have I even received 1 letter to inform me that they acknowledge my concerns.

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 2022-08-19
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: JPMORGAN CHASE & CO.

Complaint:
The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, JPMCB CARD XXXX Date Opened : XX/XX/2011 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have a rewards check I can't cash since it past the time limit giving to cash check {$83.00} given on XX/XX/XXXX # XXXX And also never got a tax paper for I can do my taxes on this account which was paid off in the end of XXXX of XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Trans union is violating1692c i have not given written permission to report XXXX XXXX, XXXX XXXX, XXXX  XXXX  or XXXX XXXX  accounts on my report. They are also inaccurate violating 15 usc 1681.

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 2019-06-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.

Complaint:
SALLI MAE NOW NAVIENT WAS DELETED FROM ALL CREDIT BUREAUS LONG TIME AGO. RECENTLY THEY RE-INSERTED THIS DISCHARGED LOAN WHICH SOL EXPIRED AND HTEY FAILED TO GO TO THE MEETING OF THE CREDORS IN XX/XX/2018 BK XXXX. LASTLY ARE AWARE THAT THIS DEBT WILL CAUSE FINANCIAL HARDSHIP, DUE TO THAT FACT MY HUSBAND IS XXXX AND I BEING XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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:
Reviewing and seeing the same results have been so disappointing. I have been sending multiple written requests and the last letter I sent to TransUnion was on XX/XX/XXXX. However, I have not received any response up to this date. Thus, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$2200.00} XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX {$5900.00} US DEPT OF ED/XXXX XXXX XX/XX/XXXX {$27000.00} XXXX 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 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY

Complaint:
In XXXX of this year ( XXXX ) I was solicited via email to open up an XXXX XXXX XXXX XXXX card. I had one years ago and cancelled it several years ago. I called American Express and asked if I would still be eligible to receive the points ( XXXX ) and was assured that I would. I opened up the account, spent well over the needed amount to qualify and waited for my bills, and points to be awarded. After the second statement, I called and asked about my bonus points ( XX/XX/XXXX, I believe ). I talked to XXXX tiers of people ( representative, supervisor, manager ) and was told that I did n't qualify because I previously had this card ( opened it up back in XX/XX/XXXX ). But they would consider it and to call back in two or three weeks. I think they knew at that time that I would n't qualify and they were just putting me off. I called today ( XXXX XXXX, 2017 ), was on the phone well over 30 minutes, talked to three levels of representatives again and was told sorry, no deal. I think this is a classic bait-and-switch, XXXX XXXX-gate, or out and out fraud, whatever you want to call it. We can refer to it as American Express-gate. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
Hello, I sent XXXX, Experian, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them in a pdf. 

They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. 

I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in red pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
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:
m submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission 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 {$46000.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY

Complaint:
Due to the coronavirus I applied for a auto loan extension with Wells Fargo dealer services. They extended the loan, but are charging interest for the time period of the 3 month extension.

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 2021-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO HARRIS BANK NATIONAL ASSOCIATION

Complaint:
In XXXX XXXX I was a victim of Identity theft. I saw on my credit report that the perpetrator opened a XXXX XXXX account under my SSC information on XX/XX/XXXX. I filed a FTC Identity theft report and sent it along with a letter to XXXX XXXX requesting they close the fraudulent account immediately. I also followed up via 2 phone calls directly to XXXX XXXX. My complaint was taken and I was told it would be sent to their fraud investigation dept. and I would be contacted. I was never contacted and I know the account is still open. In fact I received a letter on XX/XX/XXXX telling me to activate my new Debit Card. It is a fraudulent debit card!!!

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 2022-02-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC

Complaint:
My mom passed away in XXXX, and her single family home was distributed to myself and others. Before passing away, XXXX XXXX  XXXX filed for foreclosure in XXXX, alleging that as of XX/XX/XXXX {$130000.00} was owed on the account. The court later dismissed the action around XXXX of XXXX. In XXXX the co-borrower on her loan filed for bankruptcy as a second foreclosure was filed. A new lender was appearing making a claim for an outstanding balance, but was forced to stay its action due to the bankruptcy filing. In an effort to have the federal stay lifted, a motion to lift the stay was filed and a statement of the account was provided which reflected a credit posted to the account in the amount of {$130000.00} on XX/XX/XXXX. This is the exact amount due and owing to XXXX  XXXX XXXX in the XXXX foreclosure action that was later dismissed. 

The loan belonging to XXXX XXXX ( deceased ) was paid off, but never satisfied on the record and never replaced with a new loan. During the Bankruptcy Rushmore XXXX XXXX offered a modification on the satisfied mortgage to the co-borrower, XXXX XXXX XXXX as the borrower and Rushmore Loan XXXX as the Lender. XXXX XXXX XXXX signed as the Borrower and Rushmore Loan XXXX  Signed the modification as the lender. Neither XXXX XXXX XXXX nor XXXX XXXX Servicing had authority to modify the mortgage and note as XXXX XXXX had quit claimed his interest in the property to XXXX XXXX XXXX and Rushmore Loan XXXX is not a lender and did not lend XXXX XXXX any money. Despite the fact that Rushmore is not a lender, the modification signed By XXXX XXXX of Rushmore, is being used to collect on a debt that is not owed against a property that I and my siblings and father gained title to after the passing of XXXX XXXX XXXX. 

Rushmore allowed its false modification to be presented both Federal and State Court in an attempt to foreclose on my property rights for a debt that is not owed.

Company response to consumer: Closed with explanation