hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-05-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I have disputed the student loan account with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal, this requires immediate deletion.. 
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX , US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION

Complaint:
Opened Checking account with Regions Bank XX/XX/XXXX. Had recieved an incentive if opened new account and kept {$1000.00} balance for a certian time I would recieve a {$400.00} bonus/ incentive. I have a mortgage account with Regions all has gone well with that account. The checking accout was opened with the help on a phone call, due to glitches in the Regions system. There should be a recording of this. Also to ensure the {$400.00} incentive would be applied. 
I have followed up with Regions several times, told to be patient and look for the deposit of {$400.00} and the end of XXXX. I called again, now being told the " online " banking for my account did not show being activated, was told on a phone conversation with customer service, this prevented the " auto tracker '' to track my account and make the deposit of the {$400.00} incentive. I was on the phone a length of time with Regions setting up the account and setting up the online banking due to the fact by the branch here in XXXX to initially set up the account and was told they were too busy and could not set up an appt. on that day being XX/XX/XXXX. 
I petition to recieve the {$400.00} incentive to the account as soon as possible.

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 monetary relief
Consumer complaint received 2022-12-21
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:
As Dated XX/XX/2022, I, XXXX XXXX, consumer did not give the written instructions to TransUnion LLC to furnish the identified information on my consumer report, I have come to the understanding that TransUnion LLC is in violation of my rights to privacy. See attachment.

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 2019-01-03
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: WELLS FARGO & COMPANY

Complaint:
This is my complaint about Wells Fargo ( WF ) Earn More Mall Reward Program. 

In XXXX, I receive 50 % cash back offers from WF,  stating that I could receive 50 % cash back if I use my credit card at XXXX XXXX ( cap at {$100.00} cash back ) and XXXX   ( cap at {$70.00} cash back ) in store. AFTER enrolled in the offers from WF online banking system ( screenshot that shows my enrollment is saved ), I met the requirement mentioned in both store on XX/XX/2018 and expected {$170.00} for my purchases from XXXX XXXX and XXXX 

However, I did not receive {$170.00} from WF after a month. Therefore, I tried to contact WF to create a case for investigation. After the case was escalated to the executive office, Mr. XXXX XXXX has reviewed my case ( case # XXXX ) and contacted me. It sounded to me that WF doesn't recognize my enrollment from the system, therefore, can't issue the cash back. I provided my screenshot twice to WF, but they still couldn't honor me the cash back. I should be receiving what I was offered, and clearly, this problem is caused by their system glitches.

I would not recommend people use WF Earn More Mall offers based on my experience.

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 2018-03-11
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:
There are many mistakes appear in my report without my understanding.

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 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XX/XX/XXXXthey record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XX/XX/XXXX XXXX cant provide to my XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
This is not a DUPLICATE Report and this not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : US DEP ED Account Name : Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: WELLS FARGO & COMPANY

Complaint:
I have a family of XXXX children and a wife. They range from XXXX old to XXXX  month. Wells Fargo is Garnishing {$210.00} per paycheck which will put me under the poverty line if they can lower the garnishment that would help me and my family live.

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 2022-10-24
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2019-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA

Complaint:
XXXX XXXX is indicating that I have only made 45 qualifying payments out of the 120 required for the PSLF program. According to my records, I have made 65 qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
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 pulled my credit report and notice that " XXXX XXXX '' is reporting inaccurate late payments on my account. I tried reaching out to the creditor and no one was able to help me out. I'm asking that you please update these payments on my account as Paid on time. As it is harming me from opening new credit lines. Thanks in advance Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit bureaus ( Experian and 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 2023-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.

Complaint:
On XX/XX/, a payment was made at the Macy 's location in XXXX XXXX to pay the account in full. I received a receipt along with the cancelled check used, but the payment was not applied. I received a notification over a month later that the payment was not applied. I submitted another payment at the same location on XX/XX/ for the full amount again PLUS additional fees and interest. Again, I received a confirmation along with the cancelled check. But they did not apply the payment again. After speaking with the credit card issuer, I submitted yet another payment along with their guarantees the fees would be removed and the credit report information would be updated. However, no update to the credit report was made and it is still showing delinquent.

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 2019-12-11
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
The following accounts are fraudulent : XXXX XXXX/XXXX- {$1300.00} XXXX XXXX XXXX- {$490.00} XXXX/ XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX {$6900.00} XXXX XXXX {$2100.00} XXXX XXXX- {$4400.00} XXXX- {$1100.00} XXXX XXXX XXXX - {$550.00}

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 2017-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.

Complaint:
XXXX XXXX HAS LIENED MY PROPERTY WITH JUDGMENT OF THE DEBT THAT WAS INCLUDED IN THE BK AND AFTER BK WAS DISCHARGED. MY NUMEROUS ATTEMPTS TO HAVE THEM REMOVE THIS LIEN WENT INGONED. NOW THAT I 'M SELLING MY HOUSE, TITLE COMPANY REQUESTED A LIEN RELEASE INSTEAD MIDLAND SENT THEM A PAY OFF DEMAND FOR {$8200.00} FOR THE DEBT THAT WAS INCLUDED AND DISCHARGED IN BK ( SEE ATTACHED PAY OFF DEMAND FROM MIDLAND ) WHO AKNOWLEDGED THE FACT OF BEING NOTIFIED OF MY BK HOWEVER, STILL DEMANDED TO BE PAID ON THIS DISCHARGED DEBT WHICH I FIND TO BE A VILATION OF FAIR DEBT COLLECTION PRACTICES ACT! TITLE COMPANY SENT IN THE CHECK BY MISTAKE BUT MIDLAND DID CASHED IT NOW IS REFUSING TO REFUND THE MONEY THEY ILLEGALLY COLLECTED IN FIRST PLACE. MIDLAND VIOLATED FAIR DEBT COLLECTION PRACTICES ACT AND US STATES BANKRUPCY CODE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.

Complaint:
I tried to correct payment with a credit card company belive it was XXXX. They couldn't retrieve or find an account they keep transferring me to different departments only to be told the same thing. Theirs a charge showing on collections for this charge. This charge keeps hurting my credit when i tried to straighten out. They should pull this charge from my account since they cant locate one never should have been sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc

Complaint:
On XX/XX/2021 I was XXXX in XXXX XXXX fl and on XXXX XXXX my unemployment from FL Deo was deposited into my account. One deposit of {$2700.00} at XXXX & the other of {$5100.00} at XXXX. When I got XXXX  all my belongings where in my car which got towed and someone got access to my phone and my Chime account. When I got Released on XXXX XXXX I no longer had my phone nor phone number and I tried to reach out to Chime but then they locked my account for almost 3 weeks. I was finally able to access my Account which was at a {$0.00} balance. I went to dispute all transactions from XXXX XXXX to XXXX XXXX because at the time I was XXXX and could not have made any of them transactions nor did I give anyone permission to access my Account. When I went to dispute the Transactions A Chime member said that someone already disputed them transactions back in XX/XX/2021. I told Chime that it was not me and that I wanted to start a new dispute but they wouldn't. They said I had to do a rebuttal. I tried disputing them transactions at least 3 to 4 times and sent all the documents Stating I was XXXX  at the time but Chime will not help me at all and they keep saying that there was not an issue so I will Not receive any Refund. I have all the emails to & from Chime. I've tried getting my Unemployment money because I really needed that money and someone stole it from me. Yes I got XXXX but that doesn't mean It was OK with someone stealing my money. I have spent so many long hours on the phone with Chime and so many emails to them getting absolutely no where. I feel like they are discriminating against me because I got XXXX and I was XXXX. I would like this Issue to be taken care of and for Chime to do the Right thing and refund me my unemployment money that I waited so long for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: SYNCHRONY FINANCIAL

Complaint:
I have a hard inquiry on XXXX XXXX from XXXXXXXX XXXX XXXX  XXXX  XXXX from purchase made on XX/XX/XXXX which I did not authorize on purchase made. I asked before purchase to salesperson XXXX XXXX at store XXXX I had an account she stated it's open account from XX/XX/XXXX and she just needed to update Information job history and address I asked if it was going to be a hard inquiry because I didn't want one on my credit report she stated it would be a soft inquiry because they do in house finance and I already had an open account in good standing. I then made a purchase amount of XXXX I paid XXXX cash in store with a balance of XXXX on XX/XX/XXXX and made a XXXX payment on XX/XX/XXXX I recently seen a hard inquiry on credit report from Synchrony bank for XXXX XXXX. I called both parties on XX/XX/XXXX and Synchrony bank has no Account with me and XXXXXXXX XXXX XXXX  states I have a in house account with them and not with Synchrony Bank. I called XXXX XXXX in XXXX XXXX and they said they cant help me but they will check into it. As of XX/XX/XXXX I have an open account from XX/XX/XXXX with XXXXXXXX XXXX XXXX  a hard inquiry from Synchrony bank for XXXX XXXX XXXX and no current account Information from purchase of XX/XX/XXXX from XXXX XXXX  on credit report. Please help me thank you

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 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I filed for bankruptcy in XX/XX/19 I exempted by car loan and have made regular payments. XXXX XXXX XXXX has cashed by checks and admits that the payments have been made. However, it reported to the credit bureaus that the loan was discharged. It was not and as the company has accepted by payments, it is illogical to state that the loan has been discharged as I have not defaulted on the loan. If I ever do, then XXXX XXXX XXXX can report the discharge. It can not anticipate a default.

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 2022-03-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.

Complaint:
Account was paid in XX/XX/XXXX. Credit Systems International opened the account in XX/XX/XXXX. I paid this debt in XX/XX/XXXX. I applied for a credit card and I was denied because Credit Systems International began reporting the debt for the first time in XX/XX/XXXX. One year and 10 months after payment was made on the referenced account. Initial account was sent to Credit Systems International in error due to billing problem from the hospital back in XX/XX/XXXX. I was never aware I had an outstanding payment. The moment I was informed, I paid the bill. I called to inquire about negative reported item. I was told I owed an additional {$190.00} to stop the negative reporting. This is fraudulent and I was told in XX/XX/XXXX I owed {$170.00} which was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have been a victim of identity theft and my personal information was also compromised in the XXXX Data Breach. I am attaching supporting documentation on the fraudulent accounts that are appearing 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 2022-04-17
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 XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has been reasonable to believe that this information is inaccurate 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 2022-05-23
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: WELLS FARGO & COMPANY

Complaint:
My credit report was pulled without my consent

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