hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS

Complaint:
Please see company 's response before I refute said false claims : XXXX XXXX XXXX indicated that the address associated with the claim 10 Page 2 XXXX XXXX XXXX, XXXX XXXX, NY was incorrect, and updated the address associated with the claim to : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX XXXX XXXX also verified that XXXX XXXX was the named insured and the vehicle operator for the claim in question, and that the claim is a personal injury claim from being rear-ended. We have updated XXXX XXXX XXXX . Auto report to reflect the corrected address provided by XXXX XXXX XXXX, and mailed a copy of the updated XXXX . Auto report to XXXX XXXX for his review. The address associated with the XXXX . Auto claim in question XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has been reported to LexisNexis by a variety of sources, including the nationwide consumer reporting companies, with XXXX XXXX name, date of birth, and social security number. The address was also included with XXXX XXXX social security number, as provided to our office via our online consumer disclosure portal when requesting copies of his consumer reports, and on the full bankruptcy docket for a bankruptcy XXXX XXXX filed in 2012 while residing in New Jersey. If XXXX XXXX believes the social security number we have on file for XXXX XXXX is incorrect, we encourage him to contact us directly so that we may verify his correct social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
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:
On XX/XX/18 I went to the XXXX XXXX website to research auto loans. I put in my name. It asked if I was a member of XXXX XXXX. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my credit without my authorization.

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 2021-08-16
Product: Checking or savings account — Savings account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
XX/XX/2018 XXXX XXXX EDT I received a call on my mobile phone from Portfolio Recovery Associates inquiring about a debt incurred nearly 20 years ago.

The call is a suspected robo-call. On pickup, there was a long pause ( where I said " Hello? '' multiple times ) until an agent connected and began to ask me for verifying information before stating the purpose and company affiliation of the call.

Once I became aware of the nature of the call, I interrupted the agent to say " Not interested, goodbye, '' and hung up the phone. 

My understanding is that a class action lawsuit has already been filed against this company for their robo-call practices ( I was involved in that suit ). I write this complaint to you with suspicion that they are again using these practices to harass people. Please investigate if there are enough reports supporting this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.

Complaint:
I opened my onine checking and savings account with Citi Bank on XX/XX/XXXX. 14 days later on XXXX ( XX/XX/XXXX ) my card stopped working. I called Citi and was transferred to the Fraud department. Turns out a {$50.00} XXXX charge caused my card to be frozen for suspected fraud. They asked me to verify my identity through my mobile number only to tell me that since my number isn't tied to my credit profile I couldn't verify myself that way. I ended up using my grandmothers phone # to verify myself because I co-signed a loan for her at the end of XXXX. Although that number is not registered to me, I was able to use it to " verify '' my identity. On XXXX, I was forced to drive over an hour away to get access to her phone to complete this process. After 5 calls into the Fraud Dept, I was able to finally get my debit card reactivated. This was strike 1. 4 days later on XX/XX/XXXX, I went to USPS to get a {$1200.00} money order to pay my rent. The transaction went through fine. Later in that same day, I was trying to get my son breakfast and my card declined again. Well this time Citi took it a step further by completely blocking my checking and savings account. I have XXXX access to these accounts. Leaving me with literally NO MONEY for basic human necessities such as food, gas, bills, etc. I have called over 15 times from XX/XX/XXXX - XX/XX/XXXX and I am being told that because they can't verify my identify via phone that I must wait to receive a letter via USPS that verifies my identify. The crazy part about all of this, is that I just used my grandmothers number to verify myself on XX/XX/XXXX but now that number is no longer eligible for identify verification. This has been the worst experience I've had with a bank in my 30 years of living. I've escalated to multiple POCs @ Citi Bank with no resolution. This has to be illegal or at the very least unethical. With Citi being my only bank where all my money is stored, they have literally tied my hands. Now, I'm waiting 7-10 business days to receive a letter via USPS with an authorization code that validates who I am. I have offered to DRIVE from TN to MO to visit a branch to show my passport, SS card, DL, etc. and was told that the ONLY course of action is to wait for the letter via USPS. This is insane and this " verification '' process is a true disservice to all customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Omega RMS, LLC

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Omega. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Omega in regards to this matter. The FTC also instructed me to complete anid theft affidavit through identity theft.gov. Attached is my document. 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 2021-05-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: AES/PHEAA

Complaint:
myFedloan never notified my of the change in deferment, they never notified me vial mail or call regarding this which reflected missed payments on multiple loans on my credit report. I have made several attempts via phone and letters to fix this issue but I have not been able to get clarity and I am asking these derogatory marks be rescinded as they have failed to update my contact information, address and my accounts should have and still are in deferment My DOB is wrong in their system I have sent in numerous letters and called regarding this to get this amended, without avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: P.S.C., Inc

Complaint:
This bill belongs to my ex wife for her child, XXXX XXXX who is not my child. The military allowed step children to be on my insurance. This DOES NOT make me responsible for her bills. Her parents, XXXX XXXX and XXXX XXXX are responsible for this bill NOT ME. We were separated and preparing for divorce at the time. I never signed taking responsibility for her bills other than providing insurance coverage for her as allowed by law. Allowing the childs mother to put me as being responsible for their child does not make me legally responsible for their bills. 

There are XXXX accounts for this child that have been sent to collection in my name! I want all XXXX removed immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I issued a cashier 's check from my online checking account at Capital One in order to make a payment to a title loan company. This check was sent through overnight mail from Capital One to XXXX, Idaho. The title loan company deposited this check into their XXXX XXXX account but Capital One issued a stop payment. When I was notified of this by the title loan company, I called Capital One and they confirmed they stopped payment due to what they claim was a " red flag '' by their fraud department. They told me to issue a new cashier 's check and refunded the total amount of my original payment so I could do this. I did issue a new cashier 's check. However, Capital One then proceeded to take that money out of my account, after first refunding it. This caused me to have double the amount of the original cashier 's check ( plus {$20.00} in overnight fees ) outstanding. And I have no access to the original amount anymore due to the bank withholding the monies until they " see the check. '' I emailed them the XXXX XXXX PDF of the check and the stop payment notification to the title loan company. They still wo n't give me back my money, even though they stopped payment, they issued the original check, and they have all this in their own records. I need my money back as soon as possible. They claim they need me to fill out an affidavit, which I refuse to do as this implied " lost, stolen '' checks. This is not the case. It 's an issue of Capital One not allowing me to write checks against my own checking account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Technology, Inc.

Complaint:
XXXX REPORT PROVIDED BY : CREDIT TECHNOLOGY XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX VOICE XXXX FAX XXXX Falsified my credit report for company listed XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX I have evidence/proof of previous credit report also requested from all three bureaus XX/XX/XXXX to verify scores stated/attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
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: Experian Information Solutions Inc.

Complaint:
XXXX XXXXXXXX obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.

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 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint:
I opened a Citi Priority checking account on XX/XX/XXXX to qualify for advertised promotional cash offers for new customers opening checking and Citiwealth brokerage accounts and making qualifying deposits. I arranged for funds to be transferred to the new checking account through EFT and ATM deposits, and also set up direct deposit of my XXXX salary in XXXX XXXX. To increase the amount of funds in my account to help to reach a promotional cash threshold, on XX/XX/XXXX, I also sold my second car ( a XXXX XXXX XXXX ) to XXXX and provided them with my routing and account number so I could receive the proceeds in my new Citibank account. XXXX deposited {$30000.00} into my account on XX/XX/XXXX. At that point Citibank " blocked '' my account. I called two different times and spoke to Citibank representatives and all that they would tell me is that the fraud department at Citibank closed the account and that the bank would be holding my funds for 60 days and then send me a check for the balance. I don't know why they did that, other than to use my money and not have to fulfill their obligation to provide the promotional cash. While it is within their rights, and their banking agreement states that they can close the account without warning or explanation at any time, it is unfair for them to hold onto my money for 60 days. 

Requests : 1. I would appreciate any assistance that you can offer to enable me to access my funds that are on deposit at Citibank immediately. 
2. I'm also requesting your advice as whether if I should be making a complaint at the FBI for wire fraud, since Citibank falsely advertised that I could obtain promotional cash for opening an account and making qualifying deposits.

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 2022-07-24
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : XXXX XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX  ( Original XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX 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 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 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I called Experian a few days ago because there was an account that was not mind ( XXXX XXXX XXXX  ). Phone rep advised me to send in a dispute letter included in that letter would be my i.d ss # and utility bill proving my identity and address. I sent them in and called them back and they said they didn't receive the letter. I sent them out certified mail

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 2022-08-15
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: AMERICAN EXPRESS COMPANY

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is 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. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.XXXX  XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint:
My name is XXXX XXXX. This complaint is regarding FedLoan Servicing.
In early XXXX, I submitted documentation to switch some recently consolidated loans to the Pay As You Earn payment plan. It is now late XXXX and I am still not switched over to the new payment plan. I have been forced pay over {$1000.00} more on my loans than what I should be paying under the Pay As You Earn plan. I call every few weeks and they say that they will " have it handled soon '' and that 's the only feedback I can receive from them. I am participating in the PSLF program so I am unable to pay their suggested forbearance rates as they do not count towards my 120 payments. The policy says that it should take 7-10 business days to process a repayment plan change. It is nearly 100 days since I have record of FedLoan Servicing receiving the application to change to Pay As You Earn. I 've attached a picture of the certified mail receipt corroborating this. FedLoan Servicing did not even acknowledge receiving my repayment plan application until XX/XX/XXXX, or nearly 60 days after they actually received it.
While the standard policy is that I only have to make one standard repayment to switch, I 've been forced to make 3 to 4 standard repayments. I have contacted them repeatedly over the past 100 days and have never been able to get my application processed. This is incredibly frustrating, especially since this is not an easy process to begin with and I have done all of my due diligence to get these applications processed.
I will at some point have to consider legal action as FedLoan servicing refuses to process my application, costing me hundreds every month and preventing me from making progress against my PSLF program ( which is a major reason why I have chosen to work at a non-profit ).
I desperately need someones help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
There are three accounts listed with this collection agency being reported with credit bureau agencies that is not my debt. I have continuously asked for proof of validation and they keep replying with copies of bills and 5 letters indicating the same thing for each creditor.
I have sent three letters w/i a 90 days to this debt collection agency, validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them and they have failed to provide the information requested as there is no evidence to provide. In a letter dated XX/XX/XXXX & Two letters dated XX/XX/XXXX, they stated that they will not continue the investigation and have reported this fraudulent account to the credit reporting agencies which this account is not valid. I would like this account ( s ) removed at once.. 

XXXX XXXX Acct # XXXX -- {$2200.00} XXXX XXXX-Acct # XXXX -- {$600.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX -- {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC

Complaint:
I paid off my car note with Westlake Financial in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from Westlake that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why Westlake is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is 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