hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.

Complaint:
CITI Credit card was fraudulently updated from XX/XX/XXXX. 
Finally after escalating with the CITI CEO 's the account was closed on XXXX after talking to multiple Fraud supervisors. 
But again on XX/XX/XXXX teh Credit card was reopened on a CLOSED account and even the executive office can not close teh account or don't know how to close the account. 

I have all written EMAIL proofs and now they started issuing notice to make autopayment. 
Sequence of Events : XX/XX/XXXX @ XXXX PM CST- Email and Phone changed- got it fixed-Online XXXX XXXX AM CST : Email, phone, address and security word got changed -- called and spoke for XXXX Hour -- but was not able to authenticate XXXX after taking for 1 hour around XXXX AM CST letter was sent XX/XX/XXXX : XXXX am CST : XXXX : Phone email mobile wallet balance transer flex loan last4 digitsXXXX call from XXXX : XXXX PM CST Ref : XXXX XXXX : XX/XX/XXXX : Security Word got changed : XXXX XXXX XXXX  : XXXX : XXXX : spoke at XXXX am XXXX XX/XX/XXXX XXXX 
XXXX : XX/XX/XXXX -- XXXX PM XXXX ; XXXX : 30 days request XXXX : XX/XX/XXXX XXXX XXXX  XXXX : Security Team : XXXX Fraud : XXXX Fraud : XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX ; ref # XXXX XXXX spoke wiht whom on XXXX per XXXX. 
XX/XX/XXXX : spoke at XXXX am XXXX XXXX pm cst XXXXXXXX all update were done to fraudalent email and phone ; XX/XX/XXXX credit card XXXX ; got XXXX alert raf XXXX Supervisor citi-XXXX XXXX XXXX XXXX POLICE Complaint with XXXX, TEXAS XXXX ahs been filed.

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 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK

Complaint:
Hello, I was a customer with discover financial services. I believed my bill to be paid in full. Unbeknownst to me, there was a recurring charge that hit the credit card and went unpaid for 2 months. Discover Financial was sending electronic statements to my email which is inundated with junk mail but did not attempt to contact me otherwise. After the second missed payment, the company reported a negative report to the credit bureaus. I attempted to discuss with management in customers service that this was an oversight and requested a good will adjustment for first offense and the company refused. I believe this is punitive to consumers. This in no way is a reflection of my payment ability or my credit worthiness. I believe there should be some investigation into the practices around paperless billing especially given that consumers are becoming more and more overwhelmed with email campaigns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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 auto loan account with XXXX XXXX has violated my rights. Section 602 of 15 USC 1681 establishes my right to privacy. Additionally, Section 604A ( 2 ) stipulates that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, under 15 USC 1666B, a creditor may not treat a payment on an auto loan account as late for any purpose under an open-end consumer credit plan. 
In addition to the previous information, it is important to note that my request sent in XX/XX/2023 to the credit bureaus via USPS certified mail, regarding the correction of errors in my personal information and disputes, was never answered. This failure to respond violates the provisions of the Fair Credit Reporting Act, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must promptly investigate and correct inaccurate or incomplete information upon receiving a consumer 's dispute. The credit bureaus ' non-response is a clear violation of this legal requirement.

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 2020-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP

Complaint:
I put a hold on my account because i believed someone had logged in and transfered money between accounts and set up a XXXX  account. Unemployment placed a reverse withdrawal from my account and now its negative apprx {$980.00}. I have went to a bank and called to have my accounts closed and to open mew ones and i keep getting referred to the fraud dept and no one has returned my calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint:
Experian Credit Reports, a Collection Account, posting wrong information that is not mine. Experian allowed XXXX XXXX XXXX to post information that is not mine, negatively damaging my credit score. Contacted Experian, and they basically told me that I have to fix it myself before removing from my credit report. Contacted XXXX XXXX agency, and no one answers, you just fill out an online inquiry for call back. The wrong debt posted to my account was for XXXX services to someone and to an address that I've never lived in. XXXX basically gave me no options for resolution, other than fill out another online inquiry. 

Fraustrating to a Customer that strives for good credit, get wrongfully put to a collection agency and afftects my credit score, and lives my no good option to resolve.

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 2020-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Everest Receivable Services Inc.

Complaint:
Individual by the name under XXXX XXXX conacted me and right from the start began asking to verify my address to send paperwork, asked numerous times to id herself and finally she did so, then at that point gave partial call disclosures. The Debt Collector claimed I owed XXXX to XXXX XXXX XXXX through their store card XXXX. This was the first time I ever heard from this debt collector nor did I ever receive anything in mail give me the chance to dispute the amount of item The agent and her supervisor was pressuring me to pay the debt at once advised did not have that kind of money, then started pressuring me to make monthly payments that were unrealistic and could not make at that point my wife had enough of their games and yelled at them, supervisor came back with an abusive comment pay your bills, and asked do want to settle this debt.This Occurred on XX/XX/XXXX Friday morning around XXXX, we did file complaint with Texas AG office and waiting for word back from them. Agency needs to DEMAND to produce the call recording tape as the violations are quite BLATANT!!!!

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 2019-12-09
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Accounts Service Team Inc.

Complaint:
Debt collection agency called Financial Services has been contacting my boyfriend about my debt instead of calling my phone number.  They've given him information about me such as the doctor the bill is for and the amount I owe.

I also tried to contact them to resolve the debt by offering to make monthly payments via autodraft from my checking account and they refused the payment, saying it was not enough per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
The Texas Debt Collection Act. In Texas, debt collectors only have four years to collect on debt the statute of limitations on debt in Texas, the clock starts ticking when you fail to make a payment to the original creditor. Texas civil practice and remedies code 16.004 I received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stating that I they have an account of mine in collections from an account opened under the name of XXXX XXXX XXXX back in XXXX, and after reviewing my credit indeed it was showing as showing on my collections tab. 

Any ways, in the letter it stated : in addition weve concluded that we are not currently reporting your account to the credit reporting agencies. But, in my credit report it shows that payments have been missing on negative status affecting my credit since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Is this is some type of XXXX that they are using? ( See attached documents ). 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA. XXXX ( Also, this debt collector company shows on all three of my credit bureaus with different addresses ) Please remove this from my account immediately, from all three of the credit bureaus. 

Thank you, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.

Complaint:
Agency agreed to a pay for deletion on this account. Account has been paid in full as agreed between myself and agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.

Complaint:
-There are two Citibank student loan accounts that are negatively affecting my credit report ( A redacted screenshot is attached. ) -The " first account '' was opened in XX/XX/XXXX. I experienced financial difficulty beginning in late XX/XX/XXXX. Despite making minimum payments, Citibank charged-off the account in XX/XX/XXXX. <P/>
-The " second account '' appeared on my credit report in XX/XX/XXXX. This second account is listed as being " In Collection. '' -There are separate telephone numbers for each of these two Citibank accounts. I called the number associated with the " first account '' and the recording indicated that Citibank no longer services student loans and that I should contact " XXXX XXXX. '' Upon contacting XXXX XXXX, I gave them my identifying information and they indicated that they could not find an account for me. I called the number associated with the " second account '' and the recording indicated that the number dialed was no longer in service. <P/>-Thereafter, I filed a dispute with the three major credit reporting agencies ( XXXX , XXXX , and XXXX ). The results of my disputes with the major credit reporting agencies stated that the information for both Citibank accounts is " accurate and has been updated. '' -Request for resolution : 1. How can the information related to these two Citibank accounts be " accurate '' when neither telephone number will put me in touch with someone with knowledge of these accounts? <P/>2. How were the major credit reporting agencies able to contact someone to allegedly validate this information when I can not do so with the information provided in my credit report? <P/>3. Citibank has neither notified me about the " second account '' that is allegedly " In Collection '' nor have they provided me an opportunity to address this collection account.

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 2017-10-23
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.

Complaint:
XXXX XXXX XXXX sent two emails stating reward credits in the amount of {$75.00} needed to be used by XX/XX/XXXX. I purchased an item using my XXXX XXXX XXXX XXXX credit card to use this reward for {$74.00}. I was advised the reward would appear as a statement credit. I called mid XX/XX/XXXX since the reward credit did not appear on my statement to dispute the transaction. I was provided a provisional credit of {$74.00}. I was then charged {$1.00} as a finance charge since the balance was not paid during the dispute but this was also provided a provisional credit. I was advised on the call during the verbal dispute that I would receive a call back from the dispute team. I did not receive any verbal or written communication so I called again two weeks later for the status and was advised the dispute was closed with no details provided. This agent opened another dispute with the rewards certificate number to the dispute team. Several weeks passed and I still did not receive a letter, email, or call from XXXX. I called again and the third agent now provided a fax number to provide supporting documents and this agent stated disputes attempted to letter the account and email and it was closed again. I received no such contact from XXXX. Fax with supporting documents and details were sent to XXXX with direction from the XXXX agent. Still did not hear anything for over a week and new statement showed a balance due so called a fourth time and agent stated fax was received but no additional details from the dispute team. I was assured I would receive a letter with the dispute details. XXXX has made zero effort to contact me to resolve this dispute and potentially cause negative impact to my credit if I did not continue to call about the provisional credit. I request XXXX XXXX to respond to my multiple dispute requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26
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: DISCOVER BANK

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX  : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

XXXX  : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  : 1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
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. The list of accounts below have violated my Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX US DEPT. OF EDUCATION - XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 ) States A consumer reporting agency can not furnish an account without written permission.

15 U.S.C. 1681c. ( a ) ( 5 ) States that as a consumer reporting agency you can not furnish a consumer report containing any adverse information other than records of conviction of crimes in 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
According with the Fair credit reporting act XXXX accounts- All accounts from XXXX XXXX XXXX. 
To be removed/Deletions for all repeated accounts on my report and all violations from accounts to be deleted and took off my credit report. 
They state a full investigation was done and came back verified and updated but that's a lie and another violation of my rights. 

because under 15 U.S.C 1681i - procedure in case of disputed accuracy. 

. Has violated my rights. 15 U.S.C 1681Section 602 A states I have the right to privacy.

15 U S.C 1681 Section 604 A section 2. It also state 's 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 2022-05-13
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 report act convergence numbers have violated my rights.

15 U S C 1681 602h, I have the right to privacy 15 U S C 1681 604a section 2, Consumer can not furnace a account with out my written instructions. 
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

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