hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/XXXX I made a XXXX  payment via my mobile app. On XX/XX/XXXX I made a cash deposit between XXXX cst.. However there was a glitch in CapitalOne system that caused my payment that was submitted after XXXX est to be returned bc there system did not apply my cash deposit ... When I was made aware via email I contacted the credit Card company and initiated another payment with an agent around XX/XX/XXXX or XX/XX/XXXX and the payment return again and the funds remained in my checking account. After that CapitalOne closed my account due to 4 return payments which 2 are invalid because its CapitalOne error on the checking account 360 side. I even made a conference call with CapitalOne 360 who I bank with and they even explained to the supervisor who the call was escalated to that the funds were there but they refused to reinstate my credit CapitalOne Credit Card. I feel discriminated on due to my age. If my bank advised you it was a bank error due to them posting my cash deposit immediately why should my credit be impacted because the bank system didnt post my cash deposit. Now my credit score has been droopy as well as my mother who was authorized on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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 When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX XXXX ACCT XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting agency may make any consumer report containing any of the following items of information Any other Adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My issue is that the credit bureaus must report accurate information consistent with the Fair Credit Reporting Act. I recently received two credit alerts ( on XXXX & XXXX respectively ) that XXXX dropped my credit score by XXXX points XXXX Transunion dropped my score by a whopping XXXX points, with no explanation provided. I've done nothing wrong. Didn't miss a payment. The credit bureaus should not be reporting negative score information as I am in good standing with all of my creditors & accounts.

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 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX BANK XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, Medical XXXX Balance : {$96.00} Medical XXXX Balance : {$110.00}, Medical XXXX Balance : {$10.00}, Medical XXXX Balance : {$75.00}, Medical XXXX Balance : {$21.00}, Medical XXXX Balance : {$80.00}, Medical XXXX Balance : {$210.00}, Medical XXXX Balance : {$31.00}, Medical XXXX Balance : {$310.00}, Medical XXXX Balance : {$28.00}.

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 non-monetary relief
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY

Complaint:
To Whom It May Concern/ ( CEO ) Wells Fargo Card Services I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft.

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 


Wells Fargo Card Services Account : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA. 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

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 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
opened a XXXX credit acct. through/with XXXX XXXX. XXXX credit limit. a series of fraudulent charges were made on the card. tried to reconcile with bank many times over the course of months ... asked them repeatedly to freeze the acct., with no result. finally shredded the card ... four months later i was still getting bills with new charges on the acct. any attempt to deal with them via phone was almost impossible as most of the time i got someone who didn't speak english, or was incredibly rude calling me a deadbeat! i was always polite with them, simply asked for a full accounting of all charges made on the account from day one before i would pay in full yet another time. ( i had done so twice previously ) never received anything except nasty letters or bills. i have a file approx. 2 inches thick letters and bills from them, called dozens of times. not honorable people. i pay my bills.

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 2022-03-09
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2018-01-10
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: EQUIFAX, INC.

Complaint:
On XXXX XXXX, XXXX, a 33 month business lease in the amount of {$10000.00} was opened by a Texas corporation that has the same name as my company which is a Florida corporation. The lease agreement contains my electronic signature as a co-signor which I never authorized. When I found this lease on my business credit report I contacted the company in XXXX, XXXX and submitted a notarized Affidavit with the company dated XXXX XXXX, XXXX, which verified that this lease was never opened or authorized by my company. On XXXX XXXX, XXXX, the company sent me a letter stating that their investigation deemed my claim to be valid and they would send Universal Data Forms to XXXX and Equifax to request the tradeline be deleted in its entirety from my credit report. Equifax never removed the item. on XXXX XXXX, XXXX, I once again contacted the company and they once again sent the request to Equifax to remove the tradeline. I submitted a Commercial Research Request Form to Equifax on XXXX XXXX, XXXX, stating this was never my account and to please remove it from my report. The lease company was contacted numerous more times and I spoke to their Legal Resolutions Coordinator who stated they would once again send the Universal Data Forms to Equifax. No results from Equifax. I contacted the Legal Resolutions Coordinator Supervisor on XXXX XXXX, XXXX, who telephoned Equifax and spoke to someone in addition to filing a dispute with Equifax stating this was not my account. I received an email on XXXX XXXX, XXXX, from Equifax stating the dispute was being investigated and I would receive the results via email by XXXX XXXX, XXXX. Since I did not receive an email from Equifax as to the results of the dispute I checked the status of the dispute today, XXXX XXXX, XXXX. Equifax states the result of their investigation confirms that this account belongs to me and to contact the lease company for any questions. I once again called the Supervisor of the Legal Resolution department who stated unequivocally that they submitted the information to Equifax that this account does not belong to me and should be removed from my credit report. The lease company does not know what else they can do to get Equifax to remove this item. I am also at a complete loss as to how to get Equifax to remove this item and how they can continue to claim this account belongs to me when they have received numerous information from the lease company that it does not belong to me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2018-08-22
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: JPMORGAN CHASE & CO.

Complaint:
My wife and I " purchased '' points on a timeshare XX/XX/XXXX using Visa card XXXX XXXX XXXX XXXX debited XX/XX/XXXX for {$5300.00} to XXXX  XXXX XXXX XXXX XXXX. We were mislead ( lied to ) in order to make the purchase and disputed the sale from time of purchase. XXXX XXXX, called us XX/XX/XXXX on a recorded line and offered to cancel the contract for this reason. That the contract had never gone through due to identification problems. This was documented and sent to customer service specialist Ms. XXXX XXXX XXXX of Visa. XXXX XXXX ( XXXX XXXX XXXX ) sent papers to sign negating the sale. They said they will keep the money paid, {$5300.00} as part of the settlement for letting us out of our contract. We state that there was never a contract with their own admission as evidence, stated twice on two recorded lines, one ours, one theirs. If there was no valid contract, and there wasn't, they have no right to keep the money and it should be returned. We have an abundance of documentation back and forth showing, without written dispute, that the contract was never in effect. We would be happy to send a file in support of these statements. I am XXXX and my wife is XXXX and financial elder abuse may be a factor here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXXX Balance {$5700.00} XXXX XXXX XXXX Balance {$280.00} Individual : Bankruptcy XXXX XXXX Reference Number XXXX Date Filed XXXX XXXX, 2012 XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I call equifax send them my FTC report due to some accounts and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
TRANSUNION is violating my rights under the FCRA. Pursuant to the FCRA I am to be given a free credit report upon demand. As you can see, TRANSUNION denied me access to my credit report, violating my federally protected rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.

Complaint:
Navient refuses to properly process my Teacher Loan Forgiveness Application. The application is properly filled in and I meet all requirements including : 1. XXXX  at an eligible XXXX  XXXX  2. Being a highly qualified XXXX XXXX XXXX XXXX, or ( only if my XXXX  XXXX  began before XX/XX/ ) a XXXX XXXX XXXX XXXX in a subject area relevant to my academic major ( forgiveness of up to {$5000.00} ). 
3. Being approved and signed off by my XXXX  's Assistant Superintendent of Finance. 

The application was rejected twice for the following reasons. The first rejection was because the assistant superintendent used the date format XXXX. Navient insisted the date format must instead beXX/XX/XXXX. The second rejection was because the assistant superintendent did not include the middle initial of the XXXX  's name ( e.g. " XXXX XXXX XXXX XXXX  '' instead of " XXXX XXXX XXXX XXXX XXXX '' ) even though there is only one such named XXXX  in the city and even state. 

I continue to resubmit the application with each technicality corrected, but new technicalities continue to cause rejections. I have no doubt it will continue to be rejected without just cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc.

Complaint:
XX/XX/2019 $XXXXI tried to talk to the collections company and ask them to prove I owe the bill , I've spoken with their client who has told me a XXXX year old child sign for services

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 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.

Complaint:
My credit report is being reported wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
My account reflects the error message of Funds unavailable for withdrawal. Why is my money being held?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Self Financial Inc.

Complaint:
The payment history of my account has been inaccurate, and incomplete. 

In accordance with the fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 States, I have the right to privacy 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have given them multiple opportunities to cure and remedy these continuous and willful violations of my consumer rights. They have consistently ignored, stalled, and not rectified these harmful and hurtful assasination of character. 
# XXXX XXXX XXXX XXXX / XXXX closed account on XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation