hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-02-25
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:
The bank XXXX XXXX XXXX  XXXX  is reporting a late payment for XXXX & XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MUFG AMERICAS HOLDINGS CORPORATION

Complaint:
An unauthorized charge was made on my Union Bank debit card with XXXX in the amount of {$1900.00}. I called XXXX and informed them. The representative asked if I had an account and I said no. He then asked for mu address and birthdate to verify that it was not I that placed the bet. I gave him that information. He said the bet would be placed on hold and someone would call back in 24 hours. I then called Union Bank and alerted them. The debit card was cancelled and a credit of {$1900.00} was placed back into my account. When Union Bank contacted XXXX the agent stated that it had my address and birthdate, thereby saying it was used in the transaction. By asking for my address and birthdate initially, the XXXX representative was not trying to verify if I had an account but rather to limit their liability of having to refund the {$1900.00} to Union Bank. I am out the money and they have my personal information. Union bank refuses to refund the {$1900.00} to me, even though they know I did not authorize the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-30
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:
I purchased a certified pre-owned XXXX and financed it through XXXX XXXX, which is an affiliate of XXXX XXXX XXXX. The car was sold to be fraudulently and XXXX agreed to purchase the vehicle back in XXXX of 2021. Legal notarized agreements were signed between myself and XXXX. 

Despite this, XXXX XXXX and XXXX XXXX XXXX have submitted a delinquency report to the credit bureaus and refused to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax : I am writing to request an investigation of the following information that appears on my Equifax consumer report : Dispute 1 Accounts # : XXXX & XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : The account with XXXX Bank in question is showing as settled for for less than full value, but I paid the full amount owed. Please update & remove the account now thats its paid in full. 

Enclosures : Copy of credit report with report number # XXXX & XXXX Last bill statement from XXXX Bank Payoff Statement from XXXX Bank Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC

Complaint:
Portfolio XXXX is making a fraud claim on a bill that I do not owe and never was sent. In XXXX my Light Company was and is still XXXX XXXX. They claimed that XXXX XXXX has sent them a bill from XXXX ( XXXX ) for the amount of {$180.00} dollars. Then when I called Portfolio they came back and said that the bill was from XXXX. All of these years I have not ever been sent a collections letter or a bill from XXXX XXXX. A couple of years ago they tried with XXXX XXXX XXXX and found out that XXXX XXXX XXXX said that they does not even use them as there collections company. I have no past due debts on my credit file. In XXXX my name was not the name used on the letter. You can see that they is attempting to scam and defraud me. Before XXXX I was with XXXX and then XXXX XXXX XXXX. You can see that all of my bills is not in the listed name on the scam and defraud letter from them. If the debt was in XXXX as claimed, why send the letter date XXXX, and why wait 13 years to attempt to collect a debit. TX Law says 7 years in order to attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/2023 I decided to close my account, which was in good standing and had a credit balance. 
Using the phone app I tried to close the account. The app would not allow me to close the account. 
Using the latest credit card statement, I looked up how to close my account. 
I was directed to a customer service number. When i called the number I was put on a very long hold. I could not wait on hold that long, so I decided to write a letter. 
I wrote a letter requesting the account be closed and that my credit balance be refunded to me. I cut up my two copies of the credit card, taped them to the letter to return them and sent the letter by USPS, certified. 
It has been 3 months and I have not yet received any response to my letter. 
According to my phone app the account is still open and my credit balance is still there. 
With any other credit card company, most credit balances are refunded immediately. 
I do not see why this company has not closed my account as requested nor at the least refunded my money. USPS tracking indicates the letter was delivered to the company on XX/XX/2023. 
I would like to see my account closed as requested, my money refunded, and an interest rate charged for the use of my money equivalent to the interest rate this credit card company charges me for the use of their money, which, according to their statement is 25.74 %. 
Attached are copies of my letter, the latest statement that I attached with the letter when I sent it, proof of certified mail, and proof of delivery according to USPS tracking website. 
Please intervene on my behalf. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY

Complaint:
My Target card payment is set up for auto payment of the minimum amount due My settings still today say that my 'Current Auto Pay ' is set to 'Plan Type : Min Payment Due '. 

However, after I paid my minimum amount on XX/XX/2021 ( after which no minimum payment was due ), I was billed again by Target for the minimum payment amount on XX/XX/2021. My bank account did not have sufficient funds for a second payment so the second payment was rejected, and Target charged me an 'auto pay returned payment ' fee of {$29.00}. 

I contacted Target on XX/XX/2021, to reverse the fee. On XX/XX/2021, Target refused to reverse the fee. 

On XX/XX/2021, I contacted the XXXX XXXX XXXX. On XX/XX/XXXX, Target again refused to reverse the fee for returned payment. Target responded that the online payment page indicates that Target will auto-bill a customer for a minimum payment amount even if no minimum payment amount is due. 

This practice of double-billing its customers is an abusive business practice. My auto-pay 'Plan Type ' is 'Min Payment Due ', and I can see no business need for Target to double-bill its customers, except to fish for extraneous fees. 

To wit, the auto-pay feature on my XXXX XXXX card does not auto-bill me for the minimum amount due if/when when I make the payment early. 

I indicated to XXXX XXXX XXXX that I want to escalate my complaint against Target from an issue of deceptive business practice to an issue of abusive business practice, and they advised me to file with the Consumer Finance Protection Bureau. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.

Complaint:
This account was disputed and deleted off of my XXXX report on XXXX XXXX as a result of not being verified as my debt. It was also disputed on XX/XX/2018 on XXXX and was deleted XX/XX/2018 on XXXX  as a result of not being my debt. The account balance of the debt is {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION

Complaint:
XX/XX/2020 I was refused my money from the by XXXX XXXX ( financial relationship specialist ) that said, thats to much for me to ok. Let me get my manager. XXXX XXXX XXXX ( Branch manager ) told me, I got your {$10000.00} but your going to have to prove that your XXXX XXXX. Note, that I had already taken out {$5000.00} a week earlier. I had to leave & go get my paperwork to prove that I XXXX XXXX XXXX which I did. They didnt need to check this earlier! Ive been with Regions Bank ( XXXX XXXX XXXX XXXX. XXXX, Texas XXXX ) for years, taking out loans that I paid off for the big rig that I XXXX. I believe I was XXXX profiled or they didnt follow their own protection policies because Regions didnt check all of this the first time! I feel I was being called a lie or cheat for no reason. Branch manager said, we have lost a lot of money on these loans. 
I was put in increased risk for COVID-19 for the extra touching of items to prove something that didnt need proving. I didnt get to my business after being treated unfairly & disrespected for no reason than I didnt look the part. 
I file a complaint with Regions Bank. I talked to XXXX & XXXX on the complaint line they took my complaint but said, I cant let you know the outcome but you have my empathy!

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 2021-08-12
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: EQUIFAX, INC.

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021, exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below 1. XXXX XXXX : Account number : XXXX, How did you verify this account. 

2. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

3. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

4. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

5. XXXX : Account number : XXXX, How did you verify this account. 

6. XXXX XXXX XXXX : Account number : XXXX, Please remove this account from my credit report. This account is showing several late payments, and I am for certain that I was not late during these months. 

7. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

8. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

9. XXXX  XXXX : Account number : XXXX, How did you verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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 account have violated my Federally protected Consumer Rights and privacy and confidentiality under the ( 15-U.S.C-1681 ) . 
XXXX XXXX XXXX XXXX- no account ever issued. 
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX. Account # XXXX Late payments XXXX XXXX - XXXX Closed XX/XX/XXXX no account # because it is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX -FRAUD not responsible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX- FRAUD Not responsible XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX- FRAUD NOT MINE XXXX XXXX XXXX XXXX XXXX, SD XXXX USA ( XXXX ) XXXX XXXX. XXXX XXXX.Transunion XXXX XXXX XXXX XXXX XXXX inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Reference # Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount 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 that a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; 15 U.S.C 1681 s2 ( 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 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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX has violated my rights. 

15 U.S.c 1681 section 602 A. States I have a 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 explanation
Consumer complaint received 2017-12-05
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC

Complaint:
on XXXX/XXXX/XXXX I received 2 letters from XXXX XXXX XXXX, XXXX informing me that they were attempting to collect debt from two accounts currently held by the XXXX XXXX XXXX XXXX XXXX. 

These two loans were issues in XXXX and I have not made payments on either these accounts for quite some time ( 5+ years ), when they were previously held by XXXX XXXX XXXX . 

I found this article : https : //www.consumerfinance.govXXXX  My understanding is that attempting to collect this debt either by the XXXX XXXX XXXX XXXX XXXX or a 3rd party is currently illegal. 

They are attempting to collect the following two accounts XXXX - {$10000.00} XXXX - {$3600.00} I have not taken any action at this time but I do plan on contacting a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
i'm having a hard time getting my disputes processed with the credit bureaus and updating my current address.

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 2022-07-09
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 transunion 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 XXXX 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint:
This was not sent in error. All of the 8 accounts under the Dept of EducationXXXX were deleted before but why it come back again? Please investigate all those accounts and delete them immediately. The same applies for XXXX account. In total of 9 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 2023-05-13
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:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX  Balance {$720.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
This was removed from my credit report in the past ( but under a different name ) - the original creditor was XXXX XXXX. More recently, this company Portfolio Recov Assoc added back the collections account to my credit report and continues every other day harassing me with phone calls. They NEVER sent anything to me prior to putting this on my credit report and do not even know the history of my account. I told them this and they sent me the last few statements from XXXX XXXX which show no account history. They are unaware this was solved in XXXX and 4 years they continue to harass. They are unaware this is from chargeback activity that was approved, that much later appeared again. XXXX rules even state max liability is {$50.00} if that was/is the case- do i really need to speculate with a speculative shady account that reappears under a new name when removed from the major credit reports. They have caused harm to my credit file that is quite substantial and have done so in an illegal way. Copy provided to State Attorney General and this is a similar case that CFPB has against XXXX XXXX ( one of their sister companies ).

Company response to consumer: Closed with explanation