hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-07-31
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:
My name is XXXX XXXX. I have been battling with these credit reporting agencies since 2021 regarding incorrect information on my reports. I have done all I can do and need help. I've gone to the police and filed a report. I've even gone to the FTC and filed reports but they refuse to do their job. My purse was stolen a few years back at a nightclub and I've had credit issues and ID theft issues ever since. This is effecting my life!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER BANK, NATIONAL ASSOCIATION

Complaint:
Cashing a check I submit power of attorney and certification of endorsement as requested by the bank. 
The manager of the bank kept telling me everything was fine. After several trips to the bank over a two months period the bank told me they will return the check to me. 
The check is issued by Santander and I am trying to cash or deposit the check in a Santander account. 
I have been dealing with the branch on XXXX XXXX in XXXX NJ. 

Check amount is XXXX. 

I explained to them they are causing hardship to my family by refusing to cash their own check. They never explained their action. A branch manager simply said that was their final resolution. Once I receive the check, I will be in possession of a check that is as good as piece of toilet paper. That was hard earned money that was deposited in Santander bank. 
Please advise

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 2022-04-27
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXXt Number : 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 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint:
On Monday XX/XX/21 I tried to deposit a {$750.00} check at my Wells Fargo bank ATM ; after inserting my card, entering my PIN, and pushing the buttons to make a deposit, I was prompted to put the check into the ATM, and did so. After several minutes ( an unusually long period of time for a deposit ) the ATM said it was still " scanning '', and then the ATM shut down, and posted an " out of service '' message. I called the bank 's customer service line while on the spot, submitted a complaint, but didn't get much information. Went home, logged in, and saw no credit for my deposit ; the next day I still had no response from Wells Fargo, and I was concerned about only having the phone call, so I submitted the complaint to Wells Fargo online ( hoping to be able to provide more information, but unfortunately Wells Fargo online customer service is extremely limited to checking boxes, with no means of submitting details ). I ended up with two complaints with Wells Fargo, which were consolidated into Claim Reference No. XXXX. It is now the end of the third week after the event, without the matter having been resolved, which strikes me as unusual ( one would think Wells Fargo would've opened the ATM the next day, found my check that its ATM ate, and finished processing that deposit, with a final credit well before now ). How long should Wells Fargo be able to take to resolve a simple matter like this?

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 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.

Complaint:
Hello CFPB! Hope you guys are doing great! Please forward the following documents to GM Financial. Thank you and be safe!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY

Complaint:
After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to temporary financial difficulties, I unfortunately got behind on my payments and was unable to meet my obligations. 
However, since then my situation has greatly improved and I am in the position to recompense this debt. 
I am willing to pay AMERICAN EXPRESS 12 payments a month equalling the amount of {$6800.00} provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all creditreporting agencies upon my final payment. 
I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE

Complaint:
I have submitted so many complaints to you about my problems with this company they have made both you and I promises which they never kept. I have attached the most recent one you handled with them. I would have filed a complaint with the XXXX but from my research they already have over 1400 complaints filed with them with about the same things stated that I have said to you. The reason I am writing you today is because of what they reflected to the credit reporting agencies and its effect it had on me. I had applied for a bill consolidation loan it would have allowed me to not only pay this company off but also to catch up on my overdue medical bills and continue to get the needed urgeant medical care I needed. At the time I applied for the loan my credit score was XXXX   which was good enough for the loan to go thru all the paperwork was submitted and the loan was going to be approved untill Barclaycard reported my account as late and past due i was informed by the loan company I no longer could get the needed money now with this being the only negative mark on my credit report it did talke and make a large impact on my score it fell from XXXX to XXXX because of barclaycard actions they have now caused extreame and great hardship on me.This company is out of control and someone needs to do something to stop them from actions such as this. By doing what they did they have decided what my future health will be I dont know what to do now. They should be sued.

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 2022-04-02
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-12-03
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:
I have resorted to submitting this complaint because the bureaus have been ignoring my disputes and I have not known the status of them. So the bureaus have 30 days to respond and I have been submitting disputes since XX/XX/XXXX without any response from the bureaus. I hope you can help me resolve this situation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
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 — Their investigation did not fix an error on your report
Company: ERC

Complaint:
I am asking validation of this account, please do not send a final bill in which a final bill does not validate after the contract was sold. I am specifically asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.

Complaint:
I believe I was scammed by XXXX in their practices and would like to see if I an eligible for compensation for the lawsuit filled against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: C/C Financial

Complaint:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
Company writes false information on all three credit reports after becoming military XXXXXXXX. XXXX XXXX military XXXXXXXX in 2015 after suffering an XXXX XXXXXXXX and becoming XXXX. Company writes that payments have been made by me in order to keep the report active. No contact with the company since the recovery of the XXXX. The payments that the company is reporting. Fraud is being committed and the company sold me a XXXX packet for debt protection and attempted to block my use of it. Company ignores the 7 year rule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
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: CITIBANK, N.A.

Complaint:
In XX/XX/XXXX, I visited XXXX XXXX in XXXX, OH and was persuaded to become a member. A membership at XXXX costs {$99.00} per month and was told that as a member, I could visit a clinic each month to receive a chemical peel or microdermabrasion ( valued at {$99.00} ) in exchange the membership fee paid. I was very excited to take advantage of my membership and visit monthly to receive treatments. 
The XXXX XXXX XXXX ( WHO ) on XX/XX/XXXX, declared the novel coronavirus ( COVID-19 ) outbreak a global pandemic. Immediately following this declaration, XXXX was closed for months citing safety concerns amidst the pandemic. Due to the local and federal restrictions, they were forbidden to provide customers with the standard services they normally provide. To this day, they still are not providing the majority of services, as per their website. However, they were still charging members saying the members could bank the money as credits to be used later. I contacted XXXX last year and tried to work through my issues concerning not being able to be serviced by still paying. The supervisor and I went back and forth and no resolution was made. We had a few phone calls and they tried to get me to do expensive services that I didnt need. 
I then filed a despite with Citibank on XX/XX/XXXX hoping that they would assist. Citibank reached out to the merchant on XX/XX/XXXX and gave them 90 days to respond. The merchant responded to Citibank on XX/XX/XXXX with a general contract ( my actual name and signature were not present in the screenshot ) and the correspondence to the dispute was ripe with errors and falsifications of dates and facts. At one point, another customers name was even included. 
Further, once XXXX realized I filed a dispute with Citibank, they closed my member account meaning all of the supposedly banked credits ( {$99.00} per month x 8 months ) were wiped away. So not only is Citibank holding me responsible for these charges, the merchant already ended the contract. 
I do not feel Citibank protected me as a customer and executed a high-quality, high-equity investigation. Instead, the bank sided with the merchant after conducting a seemingly cursory review of the documents. I filed a claim saying yes, I signed up for a membership, but was not provided with services consistent with what the membership advertised. I was arguing that based on these terms, I deserved a full credit. Citibank took the merchants response of the customer ( me ) signed up for a membership and used that to deny my claim and hold me responsible for {$790.00}. I filed an appeal with Citi and they declined it and upheld the charges. I believe Ive been wronged by XXXX and now Citibank.

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 2016-10-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc.

Complaint:
I had medical treatment with a doctors ' clinic and had in effect health coverage with a Medicare XXXX XXXX, Medicare XXXX. I was told I owed a CO-Payment amount by my health insurer different than the doctors billing service. I paid the CO-Payment the doctor asked for directly to the doctor. Later, Medicare adjusted the approved payment to the doctor, so I may have overpaid the doctor directly. The doctor 's office turned this matter over to collection with " Arbor Professional Solutions, XXXX XXXX XXXX ; XXXX XXXX, Michigan XXXX, XXXX who are adversely reporting this matter paid or overpaid in full directly to the doctor prior to collection. It should not be reported at all with the XXXX Credit Reporting Bureaus and is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
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:
In  XXXX   2015  I owed a debt to the   XXXX    XXXX  in the amount of {$620.00}. In  2015  they took the amount owed from my personal taxes for the full amount. Its currently still reporting on Equifax under public records, after several disputes with them. If needed I can get a printout from the workforce for proof of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08
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:
Someone has been used my information to open accounts. Ive sent letters to the Credit bureau 4 times and I havent heard anything from them.

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 2019-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc

Complaint:
I keep receiving a negative remark on my credit report from Collection Bureau of FT. I have disputed this before. I am not responsible for the medical bill. I submitted my XXXX of MI insurance and they refuse to stop reporting to my credit reports.

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 2021-12-16
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have not applied for no capital one anything, these are fraudulent inquries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Glass Mountain Capital, LLC

Complaint:
The rep calls and asks for me by first name, i ask who they are and they give their name and again ask for me, i ask again who they are with, and they refuse to identify themselves. The times they do identify themselves as glass mountain capital, it is after multiple attempts to ask them to identify themselves. This has happened everyday for at least three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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: CITIBANK, N.A.

Complaint:
This problem is with XXXX, In XXXX I had a account with Best Buy that is held by best buy, This account was opened XX/XX/XXXX They say charged off as it was going through Bankruptcy they started this XX/XX/XXXX, at this time my credit took a point loose. Then in XX/XX/XXXX they marked bankruptcy, They although tried to hit my cerdit report with saying I claimed bankruptcy in XXXX of this year my score dropped XXXX points had to get XXXX XXXX to help prove no new bankruptcy. Now this week in XX/XX/XXXX they are reclaiming charge off and my score fell XXXX more points this should not be reported again was once reported charge off XXXX then in bankruptcy, XXXX is telling me I can keep having my score drop from this same account till it comes off account. I have tried calling Citi bank no help I wrote to the in XXXX and sent in Discharge papers And I believe a problem may be Citi bank changed it to a collection agency with new account number and then back to bankruptcy number

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