hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-10-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX {$300.00} XXXX  XXXX XXXX XXXX/XXXX XXXX/XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XX/XX/XXXX Monthly payments of {$850.00} were due on the XXXX ( XXXX ) of each month, and considered late on the XXXX ( XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page one of the Original XXXX XXXX Lease XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX XXXX Rental payment for new residency at XXXX XXXX XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my 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 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOWNE MORTGAGE COMPANY

Complaint:
In the process of trying to get a loan last week, I was informed by the Lender that my Current mortgage loan ( since XX/XX/2022 ) with Americu Mortgage does not appear in any of the credit report companies. I called Americu on Friday XX/XX/2022 for an explanation and was told that they will look into this. I called again today, Monday XX/XX/XXXX, and was told a ticket to look into this was in the company computer and it would take 72 hours to review it.

I am very concerned about this because it is affecting my credit score negatively. 

Isnt this illegal that they havent been reported my debt and monthly payments to the credit bureau since XXXX of this year. This really worries me. 

Looking forward to hearing from you. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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: CITIBANK, N.A.

Complaint:
I signed up for XXXX XXXX  AAdvantage MasterCards, issued by Citibank, that earned XXXX XXXX miles for spending on the cards. XXXX XXXX recently terminated my frequent flier account, unilaterally and without warning, claiming that my miles were earned fraudulently. They offered no details to support this claim, and offered no opportunity for me to challenge the decision. They confiscated over XXXX miles which represent a commercial value of approximately {$5000.00}.

Since my miles were earned primarily though the CitiBank credit cards, via an arrangement Citi has with XXXX, this violates the card agreement between CitiBank and myself. I abided by all the terms of the Citi cards and they provided those miles as an inducement for my business. XXXX then stripped those rewards- Citi should be responsible for replacing the value lost.

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 2023-06-14
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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

In regards to Public Record U.S. Bankruptcy Court ( reference # XXXX ). 

In addition, the court has stated, " The United States bankruptcy court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumer files. '' Therefore this information has not been verified for accuracy and does not belong to XXXX XXXX XXXX ( XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
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:
TransUnion Credit Report As of : XXXX XXXX XXXX This account reflects, opened {$110.00} balance no past due balance status not shown no payment history. This account is a violation of 15 USC 1681 for failure to provide complete and accurate information as well as improper use of my credit report I have no knowledge of this account, nor this creditor I have asked for validation of the original contract from the creditor, and nothing was provided. Transunion has had 30 days to complete a proper investigation, and I failed to believe that a proper investigation was completed with the information that is still showing on my report. I am demanding the deletion of the account immediately For you have had 30 days to complete an investigation. I am also considering legal action for damages up to {$1000.00} for this account as my FCRA rights and laws were violated. 
This account was updated by Transunion XX/XX/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 non-monetary relief
Consumer complaint received 2020-04-23
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 CONTACTED THE BANKRUPTCY COURT AND THEY SENT A LETTER STATING THEY DO NOT REPORT TO ANY CREDIT BAURES AND ITS STILL REPORTING ON MY CREDIT PROFILE.

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 2022-10-04
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 sent a XXXX letter last XXXX XXXX, 2022, however, I did not receive any responses from you. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) requires the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reported accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX  DA XXXX Balance : {$940.00} ; XXXXXXXX XXXX  DA XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: EQUIFAX, 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX OF XXXX Date of Inquiry XX/XX/2021

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 2020-07-30
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 had a mortgage with XXXX XXXX XXXXXXXX that was late and I used a federal home loan modification program to refinance with XXXX XXXX XXXX XXXX I have never been late with the XXXX XXXX XXXX XXXX mortgage. My XXXX  report shows that I have been on time but XXXX  and Experian show that I have been late. I have disputed this various times with the credit bureaus and bank. They say that the late payments are valid even though they are not. This serious delinquency has prevented me from qualifying for a personal line of credit and credit card even though I have been on time since I refinanced 5 years ago.

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 2022-08-11
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.

Complaint:
On XX/XX/XXXX I submitted a request for SCRA benefits due to my Home of Record being Louisiana- a Key Provision state- to Consumer Portfolio Services. I submitted orders and asked if anything else was needed and received no response. Two weeks later I was told someone named XXXX had denied me. I used the chat function to speak with XXXX who reviewed my account and the laws with management who then said I was approved and my account would be processed for the lower interest rate that day, XX/XX/XXXX. On XX/XX/XXXX I was told XXXX again denied it. I have emailed, called, and left a voicemail for this person and can not get a response. Today XX/XX/XXXX I decided to chat again and was told it was under review because my documentation submitted didnt have an ending date of XXXX XXXX so my request is now under review. I am still XXXX XXXX and this loan was taken out in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc.

Complaint:
its a medical bill and a XXXX  phone bill on my credit that don't belong to be they said they was working on the problem then said it was the right information on my account I need this moved asap I don't know what else to do I tried everything

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 2022-06-03
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: Experian Information Solutions Inc.

Complaint:
In accordance with Fair Credit Reporting Act, Experian, XXXX XXXX, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX  acct number XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 usc 1605 states that the finance charge is the sum of all charge, no such thing as late payment 15 USC 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 15 usc 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ; reporting high usage negative impact on family/household/livelihood improper investigation, 5 U.S. Code 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted 15 U.S. Code 1681b any consumer reporting agency may not furnish a consumer report without the written instructions of the consumer to whom it relates.

15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report without notifying the consumer in writing

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 2019-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
I am a member of USAA since XXXX, and currently have one checking account with them. On XX/XX/XXXX I made three transfers from my XXXX  XXXX XXXX checking account to my USAA checking account through the USAA app. My first transfer was in the amount of {$140.00} and no holds were placed. Then I placed a second transfer in the amount of {$80.00} and again, there were no hold on that transfer. My third transfer was in the amount of {$80.00} and before I could complete my transfer, the app prompted me that the transaction could not be completed at that time. When I looked on my checking account, my account had a balance in the same amount of {$80.00} and a hold of 8 days were placed on my transfer, making the amount available on XX/XX/XXXX. I contacted USAA to ask why a hold was placed on my transfer, and why the app prompted a message saying that the transfer transaction was not available at that time, and after being on hold for a few minutes, the representative came back on the line and told me that because I was charged ( incorrectly ) two NSF fees, the system will choose to place holds on my transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
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: ECMC GROUP, INC.

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2021-04-27
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:
These are not my accounts. please remove them from my credit.

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 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have never applied for this credit card, I have never possessed a physical card for this account, and I never made or authorized Any charge to this card. My XXXX wife ( XXXX XX/XX/2020 ) after a long battle with XXXX has always taken care of all of our finances. After her death, my children have been trying to help me get all my finances in order and after pulling my credit we found many cards I had no knowledge of. Sadly this is a case of family fraud. What Im putting together is that my wife during treatments and on medication opened these accounts in my name and without my knowledge, authorization or permission. I should not be responsible for this balance. I contacted the bank and placed a Family Fraud Claim but sadly the bank said this was not fraud. The person I spoke to at the bank was XXXX XXXX The bank did not supply any evidence that I applied for this credit card and there is no way they have my signature for this account. I have another account with Capital One that I have had for many years that is not being disputed. How can a bank get away with opening an account in my name without my permission, a signature or any proof of whos opening an account? Now the bank wants to hold me responsible for an unexpected debt for items I never purchased and ruin my credit. This is not right and the Bank Must Make This Right! It should be the financial institution to be held responsible for their own due diligence when opening new accounts. 
Please note that there were 2 fraudulent accounts opened with Capital One and I will file a separate complaint for the other account. Why would any consumer need multiple credit cards with the same institution. The bank definitively should have reached out to me to verify that I was the one opening these accounts.

Company response to consumer: Closed with explanation