hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-24
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account name 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 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 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint:
HSBC Bank is reporting a late payment on my history. I need some help, I have had this account open since 1995 and have never once been past due. I got covid and thought my husband paid on the bills. He said he did. Please this is devastating as you can see by my credit I care and never once have paid a bill late. Please remove this remark. I care about my credit and my creditors who allow me to have credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There are several problems with my account I have addesseses and names that are wrong accounts that are not mine and a few labled charge off and a XXXX  XXXX listing that is 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 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
The following accounts and Inquiries that appear on my Experian Credit Report are either reported in error or are a mistake in identity. Please mail to me the proper contracts with my signature that authorizes these accounts to be reported on my report. XXXX XXXX, {$2000.00}, Opened XXXX XXXX, XXXX. XXXX XXXX XXXX, {$5000.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX, {$2700.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX XXXX, {$1500.00}. XXXX XXXX  XXXX/XXXX  XXXX, {$1600.00}, Opened on XX/XX/XXXX. XXXX/XXXX, {$5200.00}, Opened on XXXX XXXX, XXXX. Please remove the following name from my credit file, it is not my name nor alias - 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 2020-05-27
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:
The information I sending is about the fraud I found on my credit report I attach the list of the fraud information I found on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint:
Beginning of XXXX I received my income tax on Venmo banking app. It was XXXX XXXX XXXX. I purchased was withdrawing money slowly paying bills and bought a car, eventually I was left with {$850.00} on my account and Venmo froze my account and said they were freezing my account do to suspicious activity and that I needed to upload photo of my drivers license to confirm my identity, keep in mind that was my rent money, i almost got evicted from my home and they did not care. So then I uploaded my drivers license to confirm my identity and when I did that they complete restricted my account from doing anything and said they are keeping my money and I cant do anything about it Ive tried many many times to get them to release my money to me atleast since I did as they asked and provided my drivers license to confirm my identity and on top of that never even did anything wrong or violate any of their terms or rules. They are refusing to realese my funds to me and every time I email them theyd end me the same copy and pasted email about how my funds are no longer available to me and they are keeping them. Please help I had to get a loan to pay my rent and I need those {$850.00}. My Venmo account information is Name XXXX XXXX My XXXX XXXX XXXX XXXX  Email on account is XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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:
Experian continues to report this inaccurate, unverified account on my credit report which is not reporting on my other credit bureau and creditor continues to not show verifiable proof that account belongs to me. Experian continues to report this information which is hindering my ability to have similarities in my credit score among the bureaus. They are not able to substantiate this information as it has not been verified and needs to be deleted under federal law of the fair credit reporting act.

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 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XXXX XXXX I had attempted to Rent a car from XXXX XXXX XXXX XXXX at XXXX XXXX I had reserved the car through the prepaid option on the website. I had used my Capital One credit card. When I went to rent the vehicle i was informed that i was unable to rent the car because I did not want to give the extra {$100.00} for deposit as i had reserved the car on line with the prepaid Reservation. The representative and I had words as I reminding him of the Prepaid and its terms and he was not honoring the agreement. I admittedly said choice words to the agent and left to go to another rental car company I tried to reserve another vehicle at XXXX on the website and went there unbeknownst to me that the same representative worked at the XXXX XXXX XXXX XXXX and he maliciously charged me twice in that same day making 3 separate charges on XXXX XXXX. I call Capital One the same day i requested that they do not allow the charges to be processed and they informed me that were not able to stop the charges but i know they could. I called capital One again and initiated several disputes, but they did not honor my request then they said it was past the time of resolution and i was charged {$230.00} on the initial rental {$450.00} on the second and {$230.00} without the use of a vehicle. Totaling {$910.00} alongside late fees interest and the delinquent late payments, and the derogatory late pays that occurred during the time of the several disputes. I am in need of good credit so i tried to make payments to restore my credit until I was made aware of this Bureau .In hopes that i might get help and justice

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.

Complaint:
On XXXX XXXX XXXX XXXX called and threatened to sue me for a debt that should have already been paid. When speaking with the manager I asked for a letter of debt validation and he proceeded to tell me that he did not have to provide that as this was my debt and I owed the money. I asked again and he started yelling and screaming at me that they have sent multiple letters and he didnt have to send anything else. I explained that I have not received any correspondence from them. After he continued to yell, scream and threaten to sue me I eventually just had to hang up because he would not listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY

Complaint:
This is the second time I have filed a complaint with the CFPB regarding Wells Fargo Dealer Services ( WFDS ). This is also the second time I have made a monthly car loan payment to WFDS. The first complaint filed was regarding WFDS improperly applying my monthly over-payment as a payment carry-over ( held as a reduction against future payments ) instead of a direct pay-down of my principle owed. Last month, after my complaint to CFPB WFDS made a payment reversal and correctly applied the payment. This month, WFDS is incorrectly applying my payment again. They are capping my monthly payment and treating the amount over their cap as a payment carry-over to future payments instead of a direct pay-down of principle owed.

I received a call from WFDS shortly after my first complaint and requested that all future over-payments made to the account be applied directly to outstanding principle owed. WFDS agreed to make the correction but said they can not promise it would not happen again. It has occurred again so I am filing another complaint. I will continue to do so until WFDS correctly applies all future over-payments as direct pay-downs of principle owed. I also received a letter from WFDS indicating that someone from the " WF Office of the President '' would contact me. A representative reached out to me and left me a voicemail with their contact information. I have called the WF representative back twice and left two messages with ways to contact me. To date I have not received a call back. 

Thank you in advance for any help you can give 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 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I want a removal of a credit remark. This remark is due to a late payment, that had occurreddue to changing of online payment XXXX XXXX XXXX 
 Under the Fair Debt Collection Protection Act, I have the right to request that incorrect and unverified information be removed from my credit file. XXXX XXXX moved their auto loan payment system from XXXX  to XXXX. I was under the expectation that it would be a seamless transition, as told to me by phone call to XXXX XXXX customer care. Instead I realized I had to set up a new account on a different website. This is due to XXXX XXXX error. Had perfect payment history with XXXX XXXX before and after this. I have underlying causes and have been limited during covid 19. 

I was making payments on the XXXX XXXX XXXX XXXX site until XX/XX/2020 when then found out it was no longer accessible, but by then it was too late. 

I have had perfect payment history aside from the late payment in XX/XX/2020 The customer service is horrible. I call up and feel like I am being berated by this company and they are mistreating me because of my ethnicity. I need this removed immediately or I will escalate.

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 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC

Complaint:
CAPITAL ACCT is claiming that I owe them {$220.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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:
Good Afternoon, I have contacted Ford Motor Finance about the late payments they have submitted to the credit bureus. I explained that each paymnt has been made and that i have not missed a payment in the past 14 months. They keep reporting this account as Late. I have sent them proof these paymentd were made. the account is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have attached an XXXX report with an account and inquiries I did not authorize

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 2022-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION

Complaint:
I thought I was paying for goods and services from the XXXX XXXX XXXX. I immediately realized I had been scammed over the phone and tried calling Suntrust ( Truist ) bank to cancel the XXXX transaction. I was on hold and couldnt get through so I drove directly to the bank. They told me I couldnt handle it there and to call the XXXX number and gave me the number to customer service. I explained I wanted my account either frozen or shut down as I didnt want this transaction going through. They said I had to call the customer service line. I explained the time may run out that i have already been trying to get through so this is why i came directly to the bank. I called immediately again but they seem to be short staffed so I was put on hold. After XXXX on hold I drove to another Suntrust ( Truist ) bank trying to get immediate help for canceling the transaction. In that bank I remained on hold and the suntrust employee and I sat in her office as she also tried calling. After she was on hold too for XXXX she told me the pending transaction went through even though it still said pending in my account. I was still on hold with my phone still and she told me to stay on hold and speak with the fraud/claims Dept for a possible refund since it still showed pending. After being in hold for XXXX someone picked up and transferred me again. It wasnt until XXXX of being on the phone that someone picked up and told me the transaction went through and it was too late even though it still was showing pending. I explained that if I hadnt been sent to 2different banks, been on hold XXXX for this phone call and almost XXXX prior, and also tried calling right after it happened which wasted an extra hour of being on hold again I wouldve been able to cancel it in time. I never received the services I thought I was paying for. It was a scam and because it took me close to XXXX to get someone on the phone to cancel the transaction, they say it cant be cancel and I lost the money. I feel this isnt right and I shouldve been protected. If I had access to actually speak to some right away, it wouldve been canceled in time. Again it still hasnt been resolved because they wanted to transfer again back to the claims dept. They bounced me around on the phone for XXXX and bcuz XXXX couldnt speak to anyone, I missed the transaction time frame period. Although it was a scam I was under the assumption that it was service via XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ) and they were threatening to cut my electric within the hour. Please help me rightfully get my refund from Truist Bank.

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 2020-06-18
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 am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and XXXX  are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not  communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. An FTC/Police report has been previously filed and is attached to this complaint. 

XXXX XXXX Account # XXXX Amount {$21000.00} Department of Education Account # XXXX Amount {$81000.00} XXXX XXXX XXXX  Account # XXXX Amount {$0.00} Inquiries : XXXX XXXX DC XXXX XXXX XXXX XXXX Department Of Education/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
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 am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX {$340.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX {$500.00}, XXXX XXXX XXXX XXXX XXXX {$490.00}, In accordance with the Fair Credit Reporting act XXXX  Account # 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