hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-04-16
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:
I purchased a custom made sectional from XXXXXXXX XXXX on XX/XX/XXXX using my CITI AAdvantage credit card. 

My couch was quoted at 18-22 weeks, it should've been delivered between XX/XX/XXXX- XX/XX/XXXX. Couch was never shipped to me and never received. I started reaching out to XXXXXXXX XXXX in XXXX of XXXX for information and updates, I was told I would receive a partial refund for continuing to wait for my couch until XXXX. I never received any kind of refund or money back from XXXX XXXX. XXXXXXXX XXXX then went into XXXX in late XX/XX/XXXX and I initiated a dispute with CITI on XX/XX/XXXX for merchandise never received. 

CITI has now denied my dispute twice saying that I am still in my expected delivery window for my merchandise. As you can see from the attachment my delivery window has passed and the new company that purchased the XXXX XXXX brand has told me that they CAN NOT deliver the custom made couch I purchased. 

I need help getting CITI to recognize that this is a valid dispute and that I should receive my money back as I did not receive my product and never will. 

*IMPORTANT, my name has changed since the original purchase. The purchase was done under XXXX XXXX, my name since changed to XXXX XXXX in 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 2023-08-14
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: JPMORGAN CHASE & CO.

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2022-05-19
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:
For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX ( XXXX XXXX XXXX XXXX continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never done me any service, they have never provided me any product and I don't know who they are. After several attempts to contact them they failed to disclose an agreement or reply. 

I wrote to them on XX/XX/XXXX and sent a follow-up correspondence XX/XX/XXXX and another one XX/XX/XXXX and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A.

according to the section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. 

I never authorized XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX. 


I NEED THIS ACCOUNT DELETED

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 2020-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC

Complaint:
This complaint relates to your Case # XXXX. I am a parent co-signer paying the loans that were put In collection due to my Chapter XXXX in 2013 even though my son was paying the loans current at the time. Payments were made to XXXX, XXXX and XXXX for XXXX XXXX XXXX since 2013, but I have never received statements, prior payment history, how the payments were applied nor have I received a XXXX tax statement. I have never seen the original documentation from them. They had added the accounts to my credit report as well as my son 's. XXXX, XXXX, XXXX and XXXX removed the accounts from the credit reports early this year and I have stopped making payments as my son wants to try to settle and/or refinance, but we need the accurate history of the loans. The above referenced case number required that, but I never received notification of this case or it's results. The loans have been transferred to a different collection company who is calling both of us. There documents are included in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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:
I am victim of identity theft someone has used my social to get medical care and another account in my name.

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 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 non-monetary relief
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY

Complaint:
On XXXX XXXX, 2017 I made a payment online with my Wells Fargo mobile app to my secured card. I made this payment mid morning Eastern standard Time on the Friday. Wells Fargo states that payments made before midnight Pacific time will post to the account the date made ( paraphrase ). I called on XXXX XXXX, 2017 at XXXX XXXX to see why my payment was n't posted and they told me that it was n't there and I had to wait for their system to update in 1 to 3 business days. There system never shows the pending payment but shows it in posted so they do n't allow them to push the payment through. This causes delays in using my card.

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 2022-07-28
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:
On XXXX XXXX, 2022, an investigation request letter was sent via certified mail to all credit bureaus to investigate an account to ensure information is complete, accurate and updated. 

All credit bureaus received certified mail no later than XXXX XXXX, 2022. 

It has been more than 30 days and as of date, I am not aware of any written responses from the credit bureaus. If account has been investigated and verified, information is still inaccurate and incomplete, as per my latest credit report dated XXXX/XXXX/2022. 

Inaccuracies as per my latest credit report are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Payment frequency Attached documents include : -Latest credit report dated XX/XX/2022 with inaccuracies highlighted.

-Inves

tigation request letter with 2 forms of ID. -Certified mail stubs, front and back. -Request l
etter to update personal information, also sent with 2 forms of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.

Complaint:
I had a 1 year lease for a duplex with a management company ( XXXX XXXX ) in XXXX XXXX TX. Management failed to address various maintenance issues, some of which posed a health risk for my sister who has severe reactions to certain allergens. I made repeated attempts to contact management by submitting requests through their online portal and by going to their office in person, which seemed to be the only effective way to get in touch with them. 

After months of failing to address our maintenance concerns, it was clear that XXXX XXXX had no intention of upholding their end of the lease, so I went to their office and told one of their epmloyees that I wished to vacate. Management agreed to terminate our lease prematurely, indicating that they would not refund our deposit, to which I agreed. They disabled my online payment portal on XXXX/XXXX/XXXX, so that I could no longer access my service request history or other correspondence I had with the management through their website. I never received any " Past Due '' notifications or other correspondence indicating that my account was thought to be in default. 

This account should have never gone to collections, and if it did it was only because some disgruntled employee at XXXX XXXX must have thought it would be funny. I never received any correspondence regarding a " Past Due '' account from XXXX or National Credit Systems, and I have n't received any other indication that there was an issue with this account until it appeared as a collection on my credit report XX/XX/XXXX. I have an immaculate payment history aside from this collection, not so much as a late payment anywhere on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$390.00} ) violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2023-05-05
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:
Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts and make charges to existing accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.

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 2018-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint:
XX/XX/2013 a undisclosed amount was taken from my account. The bank allowed my payroll check from my employer to be reversed without notifying me to make sure it was no fraudulent activities which it was. The bank failed to secure my money and told me theres nothing they can do and Im basically XXXX out. I dont think its ok that my account should be in the negative because the bank neglected my account. Please can someone help me because my employer lied after I quit my job because he was upset that I left stating that now he doesnt think I deserve my check from XXXX XXXX XXXX At XXXX XXXX XXXX XXXX ny XXXX. I was scammed from both the bank my old employer and his payroll company. The bank saids that have nothing to do with it but they do when I signed a contract with them to protect my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my XXXX 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 an alleged fraud or extortion. 
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

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 2020-06-16
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 am submitting this dispute because Equifax Credit Information Services , Inc., credit bureau has violated FCRA law 609 ( a ) ( 1 ) ( A ) ; " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' Equifax Credit Information Services , Inc. has also violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ) ; " As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher ; '' This organization has received my letters requesting that they validate debts that are in question on my credit report. They responded and stated that those debts are accurate information. I disagree completely. None of the debts listed are accurate. I have also exercised my right to request their methods of verification just as the law states and they have continued to violate the law by not providing their methods of verification information within the allowed time frame. 

Copies of correspondence between myself and Equifax, and certified mail time stamps are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
inquires are showing up on my credit report that was not authorized by 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 non-monetary relief
Consumer complaint received 2023-08-18
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:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Experian Information Solutions Inc.

Complaint:
It is impossible to close my month to month membership with experian.com. when i call, the only options through the automated system are to report fraud or to request a credit report copy. When you search through the site on how to cancel, they direct you to the membership profile page but its a read only platform that doesnt allow you to cancel or reduce your coverage as they claim you can do.

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 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
A balance is reporting on my Capital One account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with Capital One and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint:
XX/XX/2019 On XX/XX/2019 I spoke with a representative from Victoria 's Secret regarding my account. I asked what the full balance on my account was and how much I needed to pay in order to pay it off in full. I was told {$220.00}. I paid {$220.00}. Then in XX/XX/XXXX I was checking all of my credit cards and discovered that a fee had been charged to this same credit card by Victoria 's Secret. I called and spoke with a Supervisor XXXX ID : XXXX and advised that I had already paid my account in full and I explained that in XX/XX/XXXX there was a problem with their website which would not allow my original payment to process therefore I made a duplicate payment over the phone with a representative and paid the account in full. XXXX stated that the payment that would not process online due to their website issue was what I was being charged for and that if I didn't pay by XXXX XXXX he would see to it that it was put on my credit. I asked for a different supervisor and for paper statements to be sent out showing this false charge. XXXX said " Print them yourself! '' and hung up on me. I now find that there is a total of {$54.00} owing on this account and this is the SECOND time that I have been extorted by Victoria 's Secret/Commenity Bank who serves as the extorter. I would like these charges reversed and my account to show a XXXX   balance as it should. I also want any derogatory information placed on my credit removed.

Company response to consumer: Closed with explanation