hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.

Complaint:
My name is XXXX XXXX and I'm trying to close my account again with MoneyLion that someone reopened using my information and already linked a Bank account to it and I have contact customer support and talked to them about it and they won't do anything about it and I believe someone is trying to take over my account and nothing is getting done about it and I even asked customer support to lock my card that i never received and if they could lock my account because I feel like my account is hacked and i feel like customer support don't wan na help resolve it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
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: EQUIFAX, INC.

Complaint:
I saw a credit inquiry on my Equifax credit report from XXXX XXXX XXXX XXXX XXXX. I called and the person I spoke to said there was nothing they could do about it. I aksed about placing a fraud alert and the person I spoke to said they could not do so. 

I asked for a phone number or contact information for XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the person refused to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I filed a dispute with the credit bureau regarding many accounts that are reporting to my credit report that do not belong to me. 
The credit bureau has not provided proof of ownership and instead has provided false information to my credit report without proper documentation confirming the 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 2016-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc.

Complaint:
Statue of limitation has run out, debt occurred in year of 2009. The debt was sold several times to different Debt Collection Services which keeps the debt open!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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: EQUIFAX, INC.

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/2020. The accounts are paid off and they are closed, resulting in an inaccurate credit 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 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
A complaint has been submitted to the CFPB regarding the lack of support from XXXX XXXX. I have recently been of victim of some type of scam involving both of my CapitalOne credit cards. I spoke with a representative from the Executive Office from Capital on XX/XX/XXXX and advised I would be able to provide any documentation that is needed showing I only made payments from my XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX accounts. The payments were just made through the mobile app that is provided by the Institution. The Institution advise the payment were made through a XXXX XXXX  account in which I explained the situation numerous times and filed a police report ( see attached ). There has been no communication for the past month regarding the issue. 

XXXX XXXX needs to be put on notice there must be some kind of fraudulent activity plaguing their Institution. I just received an instant message from someone on social media on XX/XX/2018 ( please see attached ) stating they work with an Insurance Company for XXXX XXXX. This is the same information that is depicted in the attached police report at the beginning of XX/XX/2018. 

CapitalOne has a practice if the payment is made with an account other than the owner, the payment will not be accepted. I know this because CapitalOne contacted me when I paid a bill for my child 's aunt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint:
I believe Citibank closed my credit card accounts due to discrimination. I have solid proof of the discrimination. However I will not disclose that all in this complaint form due to legal action I plan to file against Citibank. Here is my concern with the credit cards being closed. Citibank says its due to recent credit inquiries on my credit report. A day prior I have expressed concern about Citibank 's customer service through a secured message to Citibank. I have a copy of the message I sent to Citibank. It was a nice letter just expressing concern about how I have been treated in the passed by Citibank. I stated that I have been treated awful by Citibank. The next day Citibank closes all my cards siting that I have too many recent credit inquiries. I have had quit a few inquires when they approved me for the card nearly 2 years ago. Last year I took advantage of a lot of great credit card offers. The point is I had many inquires at this time last year and they did not close my cards. Only when I sent a secured message expressing concern about how I have been getting treated by Citibank they close my account. The solid proof I have that backs up this claim will come forward in a lawsuit. And it will prove because of my age and background that Citibank has discriminated against me. The account closure is just added proof. All my Citibank 's accounts were in good standing. I hardly used the cards. I did have a credit balance on a couple of my Citibank cards. I had to call Citibank and request a credit balance refund. I just want to make consumers aware that they need to be cautious when doing business with Citibank. They discriminate against minorities and others to the full extent. And there are other banks out there that are better to do business with that do not discriminate against you because of your age or color of your skin.

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 2023-03-21
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: Experian Information Solutions Inc.

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2019-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.

Complaint:
AARGON AGENCY reporting a debt of {$330.00} was added to my personal file XX/XX/2016 as I discovered through my monitoring service. This account is a result of identity theft and has been reported and is being investigated and blocked from my file. I have tried to reach out to this company in regards to resolve and remove this fruadulant account from my file. This account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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 recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted XXXX, XXXX, and Equifax.. upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card ) this XXXX consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Acct num XXXX XX/XX/XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$69.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XX/XX/XXXX XXXX XXXX {$13000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XXXX XX/XX/XXXX XXXX XXXX {$7900.00} XXXX XX/XX/XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XX/XX/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 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 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.

Complaint:
I have been trying to login to my nelnet account for the past week starting XX/XX/2023, and I continually get loading pages or errors that send me back to the initial login. Currently, all I get is " Sorry, Our Systems Are Temporarily Unavailable '' when trying to login. I have attempted to call and have waited for over an hour several times now to actually speak to someone. I have only given up when the time has gone over the quoted time and I have to move on with my day. It got through once for the call to be disconnected, and I never received any callback. How am I supposed to setup repayment if I can not even get access to my account online or reliably speak to a representative. I am pretty sure I have everything setup and ready to go, because I was not having these issues about two months ago when my loans were transferred. However, it is absolutely necessary that I have access to my information to ensure that I have the correct accounts setup for autopayment and won't have any issues once repayment begins. I'd like to begin paying in XXXX, so that interest doesn't accrue. But, I can't even get online or speak to someone to ensure that happens. Either this company wasn't ready for the demand that they are seeing and are unable to actually handle online and phone requests or they are intentionally having these issues to ensure that borrowers pay more. Both are honestly ridiculous and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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 XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL

Complaint:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( XXXX '' ) codified at XXXX U.S.C 16186 ( XXXX ) XXXX ( XXXX. XXXX. XXXX, XXXX XXXX sup 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 explanation
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This two accounts still on my report and they shouldn't I have tried to resolve the issue with the bank but nothing has been done. Per FCRA the account are 8 years and months old it's past the 7 year maximum that the account can stay in the my credit files this information needs to be remove by law.

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 2021-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch

Complaint:
They rtreatened and sued me for the amount owed even thou the debt it not valid. it is old. The lawyers they hired are very rude and my payments never go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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:
XXXX Inquired on XX/XX/2020 I Tried To Get A Apartment From This Guys

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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 the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.

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 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ray Klein, Inc.

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX XXXX Social Security : # XXXX Mailing Address : XXXX XXXX XXXX, IN XXXX XX/XX/2020 I XXXX XXXX have made Multiple Attempts in the past year or two ( 2 ) to  Corret ( Wrong ) Postings on my Credit Bureaus. 

1 ) Professional Credit Services : Posting a debt of {$200.00} owed them. on my XXXX Bureau. It had been Deleted from my XXXX  Bureau. 

2 ) XXXX XXXX : Acct. # XXXX Posting a Balance of {$770.00} owed. Previously in XX/XX/2020 XXXX  Report Posted a {$0.00} Balance. According to FCRA, FDCPA Reinsertion of any alleged debt is illegal! But XXXX has.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: EQUIFAX, INC.

Complaint:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BRite Financial Services, Inc.

Complaint:
This debt was paid. Lender is fraudulently attempting to charge an additional XXXX when lease was paid 100 %. Lender keeps reporting monthly with XXXX when lease debt was paid and car return in same condition it was leased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation