hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-08-09
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:
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 n 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc

Complaint:
I have several times tried to pay by my debit card but failed. Please check your message history. I am agreed to pay online. Please let me know why my paypal acount is limited or withheld. Why unable to pay the due. Again I agree to pay the due online. Please let me know the procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL

Complaint:
A Care credit representative enrolled me in autopay and told me that my monthly payment would be enough to pay off loan by end of promotional period. XX/XX/2023 I was charged about {$2500.00} in interest fees because they said my balance wasnt paid off in time. They charged interest on original loan amount multiplied by 24 months. That is almost 50 % interest. I never received a contract with the agreement from the doctors office or care credit. None of these terms were made clear and I never received anything in the mail saying my promotional balance was ending and I would be charged these fees. At some point they enrolled me in paperless billing and now they are telling me that a lot of times their emails go to the spam folder. I found no emails from care credit informing me of these terms. I tried calling and offered to pay the remaining balance in full and begged them to remove the fees. They said I am one month past the promotional period and they wouldnt remove the fees or offer any kind of solution. A care credit representative made me believe I was paying enough each month and I would accrue zero interest. She lied and no one will help me. My credit score took a huge hit and that is the only reason I even was made aware of this outrageous interest charge. This company is very deceptive and they are scamming people that desperately need medical care.

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 2022-07-20
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 Credit Reporting Agencies continued reporting the following fraudulent information without proper verification. This action by the Credit Bureaus has violated the Federal Law, FCRA section 605b. I am disappointed to see that the Credit Bureaus became non-compliant of such important FCRA Statute and kept ignoring the written appeals I have been sending to them. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information. I am now submitting this complaint to request another investigation and have the disputed items be removed from my Credit File. Pursuant of the FCRA section 605b, I am urging that the Credit Bureaus remove the following items as soon as possible : 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 XXXXXXXX XXXX Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION

Complaint:
Called Truist bank on XX/XX/2022, and was told my account was closed and they couldn't see a reason. I told them I would have a payroll deposit coming, and they said it would bounce out since it was closed. Went to the Truist Branch on XXXX XXXX in XXXX Texas and spoke to a female banker. She stated she couldn't give a reason and took my debit card and my direct deposit should go back to my employer. Today XX/XX/2022 called in after talking to my HR department and they stated my acct was on hold and had to go into a branch. I told them I had already gone to a branch, so the rep called the branch and stated that I never went in, which was a lie. They said they could see my direct deposit but couldn't do anything since my account was on hold. I told them that I refuse to go in and they need to rectify the situation. They were unable to help me and my money is in limbo.

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 2023-05-25
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$27.00}, XXXX XXXX XXXXXXXX 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 2023-07-20
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: TD BANK US HOLDING COMPANY

Complaint:
XXXX XXXX XXXX keeps reporting negetive reports on my consumer report with out my consent which is identity theft as well as infringement of my rights pursuant 15 us code 1681 b permissible purpose by written consent and the debt collector that is coming after me for the debt which is illegal pursuant 15 us code 1692 c ( b ) third party should not have info on my consumer report its illegal XXXX XXXX XXXX is third party XXXX XXXX is creditor for them to discuss my report is illegal for XXXX XXXX XXXX to report this is fraud and infringement of my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Open Date XXXX, XXXX, Balance : {$20000.00} ), XXXX XXXXXXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Balance : {$2500.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$520.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$440.00} ), XXXX ( Account Number : XXXX, Date Opened XXXX, XXXX, High Balance {$110.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 non-monetary relief
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, MI XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2020-09-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2016-06-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Midland funding sued me over a debt that I had previously tried to pay on. I talked to a representative at the law firm of XXXX XXXX XXXX XXXX and we settled out of court for a smaller payoff. I paid the first half and was then told that I owed XXXX and some odd dollars and the whole debt would be settled. I told them great I will have that in a couple weeks I was given the number to call to make the payment. I was told that papers would be sent to the court and the whole matter would be written off my credit report and reported settled once I paid the remaining XXXX dollars, there was also a lien put against my name until I paid the amount. I called back 2 to 3 weeks later as agreed upon and was told that I was given the wrong amount for a payoff and now owed XXXX some dollars. I told the woman that an agreement had been made she said they would review the tapes and get back to me later that day. They never called back, so 24 hours later I called again and had to explain the entire situation again. They said we will review the tapes and call you back in 20 minutes. four hours late I had to call them back and the manager finally spoke with me, she said she reviewed the tapes and that yes the girl I had spoken with had said the incorrect amount IE the {$1500.00} dollars and I did in fact owe {$3000.00} dollars and the woman said that the final amount the girl said in the call was {$3000.00}. I argued that no the entire time we spoke I repeatedly said that ok I will pay {$1500.00} and it will be wiped clean and she agreed. The manager finally said that she could do it for {$1500.00} but it had to be that week or it was no longer a deal. I scrambled around, got the money and paid it. I asked for a reciept or something in writing and she would not provide it, she said I 'd have to wait a month for the papers from the court to be mailed to me. I asked when it would be reported to the credit bureaus as settled and she said they did n't report that, someone else does. Well, It has been several months now and I am applying for home loans after spending the past year of my life cleaning up my debts from my younger years such as this one and this debt is still showing that I have an unpaid balance of {$1900.00} and that it has not been settled. I bent over backwards for them and they have n't held up their end of the deal. They obtained the money through scare tactics and fraudulent communications and my credit score is still suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
I am being ignore after attempts to have inaccurate information removed from my credit report. I have provided Experian with clear evidence and facts of this inaccuracy.

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 2022-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated

Complaint:
I tried to terminate my monthly membership with XXXX XXXX after only going to their location ONCE in XX/XX/2021, but was unable to get in touch with anyone, or perform any processes online that allowed me to do so. 

They continued to keep fraudulently charging an expired XXXX card, I had to issue a stop-payment order to even get them to stop, as they had already charged several hundred dollars to my account without my knowledge. 

I attempted to call their phone lines dozens of times, waiting on hold for hours before being disconnected. I was never able to get in touch with any people to resolve anything. 

In addition to this, I never received any notice in the mail from anyone about any attempts to collect debt ( illegitimate or not ). I never provided my social security number to XXXX XXXX, nor did I authorize them to continue charging me for a service I was no longer using, and had long cancelled via my cardholder 's stop-payment order. 

Suddenly, a mark appeared on my credit report, which is detrimental for me as I am due to purchase a car soon, which is how I found out about this. I never received any notice in the mail of any kind informing me of an impending collections action, nor any phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.

Complaint:
TrueAccord.com notified me that they were attempting to collect a debt, sent to them from XXXX XXXX, a loan company in XXXX, IL. ( previously filed a CFPB complaint about XXXX XXXX ). TrueAccord had two attached files from XXXX XXXX. File 1, I could not open, and File 2 was a copy of a contract electronically signed by me. This contract was a forgery and did not have an official electronic signature by me. It was a total fraud. 

I sent TrueAccord a copy of XXXX XXXX letter exonerating me from any responsibility of their latest loan. 

I have hired an attorney in XXXX, IL to file a lawsuit against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
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 have contacted XXXX and Transunion on several occasions ( XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 and XX/XX/2019 ) in regards to fraudulent accounts/public records on my credit report. They have done everything BUT follow the FCRA. They have refused to accept my FTC report/police report pursuant to Section 605B. Transunion is asking for another affidavit stating it does not look like an original when it  was printed from the website. XXXX has sent letters stating they can not locate my file. Then a letter confirming receipt of my letter mailed XX/XX/XXXX. They are not compliant with the FCRA. I have previously filed a complaint with CFPB and not only did they take longer than allotted to respond they did not fix the issue. XXXX  continues to ask for proof of identity which I have supplied SEVERAL times.

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 2021-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL

Complaint:
On XX/XX/XXXX, I took my dog to the vet, the bill came to {$410.00} I had a balance of $ XXXX.on my Care Credit/Synchrony Bank card . It was declined. I contact CareCredit who informed me that they lowered my limit unbeknownst to me. Ive always paid my bill on time. CareCredit/ synchrony the powers that be figured I didnt use my card ENOUGH, they would take a step towards ruining my credit! Never mind the fact that I pay on time every time. Most credit card companies send out a notification and allow a grace period. My available balance as of XX/XX/XXXX was {$1500.00} to XX/XX/XXXX a balance of {$100.00} how is this ok without notification. A credit card company should not be able to ruin a persons credit when that person PAYS their bill on time! I feel like Im being punished for using my Care Credit for emergencies only and paying on time.

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 2021-01-21
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 EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA

Complaint:
I submitted an Income Driven Repayment Plan Application for my federal student loans on XX/XX/XXXX. My loan servicer, FedLoan ( PHEAA ), sent me a letter regarding my application on XX/XX/XXXX stating " We are unable to recalculate your repayment plan using your most recent 1040 Federal tax return. We have already approved your plan using your most recent proof of income documentation. '' I submitted my tax return to recalculate my payments as FedLoan has incorrectly recalculated my monthly payment 2 times already ( once on XX/XX/XXXX and again on XX/XX/XXXX ). My XXXX tax return is the most accurate record of my annual income, as it takes into account all of my finances unlike my paystub.

Company response to consumer: Closed with non-monetary relief