hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-05-29
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:
sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX  Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mc XXXX XXXX XXXX  XXXX XXXX XXXX mc XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc.

Complaint:
Account # XXXX XXXX XXXX XXXX IS REPORTING A REPOSSESSION, REQUEST A DEBT VALIDATION LETTER, DISPUTED REPORT.. BUT NOTHING IS TAKING IN ACTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Eagle Accounts Group, Inc.

Complaint:
I have a old child support case on my credit report from over 10 years ago and it keeps on updating wrong information about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Debt Collection Practices Act noticed is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information on your website, company records, of any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy right wont be violated again due to lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and Fact, affiant is aware and had proof in the attachment labeled as Exhibit A and Capital One Bank USA ( XXXX XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX ), XXXX XXXX XXXX XXXX ( XXXX XXXX ), is in violation of 15 USC 1681n ( b ). 

Thank You, I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do require subrogation of the bond to settle the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.

Complaint:
I bought a prepaid card for my daughter in law. I have the receipt and provided it. The company assured us theyd send a new card and they have not. The card has a huge barcode over the back of it so you cant even read who to contact. I finally got ahold of the company and you have to jump through hoops ( what is 9+5 ) to even connect to customer service. I have been on hold for 20 minutes and no one has answered. The card is locked so I cant confirm it online. The website says the closed shop and asked you to contact XXXX XXXX instead. It is listed as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I asked the credit bureau do the verification of everything in my credit report on XXXX they did it and they dictated that everything was accurated. 
I did a total research In accordandance with the fair credit reporting act XXXX  account name : XXXX XXXX with account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 620 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.

Complaint:
Ally financial is reporting a charge off on my account and the account is paid in full, and has been over a year! I have disputed this with XXXX  several times and they still are reporting incorrect information, most recently on XX/XX/2020, and they came back with results of me owing {$3400.00}, I also contacted ally financial and XXXX XXXX XXXX who represents ally financial!

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 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC

Complaint:
In XXXX of 2020. I got an alert from XXXX. XXXX that I was over 30 days. I called, they ask that I forward an email to them explaining.. by, their records- I had never been late. I forward a letter to them w/credit report, in a dispute - the 30 days on the XXXX went away,. 

Now it has came back.. 

I put a dispute in again with XXXX ( which is a Joke ) couple of weeks ago and I received a letter from the mortgage company ( Shellpoint ) Stating I had never been late, EVER. Again, I got ahold of mortgage company and they said to file another dispute with XXXX, because I do not show late. Cause, they are the ones that causing this. Which I have again 3 times.. no one is taking the responsibility for this as I am in the middle and it is effecting my XXXX score.. This is way the Dispute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC

Complaint:
An account with Phoenix Financial Services showed up on my credit report for an account with XXXX XXXX XXXX XXXX. I sent a letter via certified mail to Phoenix Financial Services, which the company received XX/XX/2020. The tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between the collection company and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect in my state. I have received nothing from them. This account is still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.

Complaint:
Good Day, On XX/XX/XXXX I used my Chase Rewards points to purchase three 1-Day, XXXX Weekday Tickets with All-Day Dining includes Food and Drinks. The date for the experience was indicated as XX/XX/XXXX. The total cost for these tickets was {$240.00} from which I used XXXX points equating {$160.00}. I used my Chase credit card to pay the difference of {$72.00}. The itinerary number for this transaction is XXXX. 

Since this transaction, I have been unable to view, print, redeem the voucher associated with the actual ticket. I noticed that on my Chase Ultimate Rewards profile under " My Trips '' the reservation appears under a tab for " Past and Cancellations '' instead of " Upcoming '' and the date for this reservation is XX/XX/XXXX which is astronomically incorrect. As a result, I contacted Chase Rewards Program shortly after the purchase but was told to contact XXXX. On XX/XX/XXXX at approximately XXXX XXXX  EST I contacted XXXX but their agent was unable to assist since I did not have a ticket number and the itinerary number used by Chase was insufficient. On XX/XX/XXXX at approximately XXXX EST, I contacted Chase Rewards via instant messenger and was ultimately told that there was a system glitch with processing the voucher and to call back later. I called Chase Rewards Customer Support at approximately XXXX EST and spoke to a representative who contacted XXXX XXXX who could not confirm a voucher as a ticket number was needed and not just a Chase internal itinerary number. This representative said that I would have repurchase the tickets and attempt to be reimbursed at a later date if possible. I declined this and asked to speak to a supervisor to which I was transferred. The Supervisor then tried to contact XXXX, despite my explaining that such futile attempts were made by myself and the representative prior. The Supervisor was on hold for over thirty minutes before our conversation was cut off.

All three of the Chase Support Staff agreed that their was an apparent glitch in their system as it pertained to the processing of the voucher/ticket for theme park. Today is XX/XX/XXXX and my family and I are traveling to XXXX in three ( 3 ) days expecting to go to XXXX and despite my paying for the theme park tickets over three ( 3 ) weeks ago the tickets have yet to be made available to me. 

I received an email confirming the transaction was executed. The points were deducted from my account and my credit card was in deed charged the difference. Thus, payment was rendered however I never received the actual voucher for the theme park. 

Unless a voucher can be provided within the next three ( 3 ) days I am requesting a full refund of the full ticket price of {$240.00}. 

Thank you in advance for your assistance. 

Best Regards, XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have inquries on my report dating back as of XX/XX/2016 that is not tied to any open account because I did not authorize them I asked them to be removed, the only 2 inquiries that I have authorized are XXXX XXXX XXXX and XXXX, the rest I did not give authorization.

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 2021-03-31
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: Experian Information Solutions Inc.

Complaint:
It's been about six months since my first letter went out to Experian. Simple letter asking to update my phone number, employment information, and i noticed a few accounts that did not belong to me.

With over fifty letters sent to Experian which i am happy to send, this investigation has gone on for over six months. The accounts that do not belong to me and do not have my name or phone number or information on are still being reported by Experian.

I have the letter 's i sent to Experian explaining how each account is flawed and must be removed because of Experian 's continuous breaking of the law.

Experian has violated the FCRA, FCDPA, TILA, and FDPA. I have the documentation from Experian to verify this information. 

From XXXX XXXX to XXXX XXXX without any resolution. The investigation results keep coming back as " verified as accurate '' without any of the legal documentation i requested. How can you repeat an investigation over 50 times without conducting an outside investigation like the FCRA requests?

Section 314 of FCRA demands credit bureaus to provide a signed contract with my name and signature along with account detail in order to deem the account as verified.

Experian has been playing games with my personal information for over six months and i'm going to use the law to put an end to this none-sense.

I have every tracking number from XXXX until today saved, i have every response from Experian saved from XXXX building my case stronger and stronger. 


Experian you cant break the law and get away with it, i demand you remove these accounts this instant you are conducting a fraudulent investigation and you clearly have no club what you are doing. 

If you had a clue what you were doing you would realize the damages you have done to me in the past six months. 

Your reporting issues have cost me my dream house. Experian you will pay {$1000.00} fine for each account being reported incorrectly. Every account must be 100 % accurate to report, and these accounts are NOT accurate and do NOT belong to me, delete them now.

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 2021-09-02
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: OneMain Finance Corporation

Complaint:
Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from OneMain Financial. I have no banking relationship with this company and theyve pulled my credit without my permission on the date of XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC

Complaint:
Receiving calls from this number daily, they tell me its from a debt collector with no other information given, Im being harassed and would like it to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allegiant Capital Recovery LLC

Complaint:
Allegiant Capitol Recovery keeps calling me. Leaving messages. They do not state that this is an attempt to collect a debt, if you are not " so and so '' please disregard this message. She doesn't leave her name just a contact number. She says if we dont hear from you or your lawyer then " best of luck. '' I found the company name by XXXX  their phone number. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
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: CITIBANK, N.A.

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified that someone used her information without her consent to apply for an account with CBNA. While an account was not established the application resulted in a fraudulent inquiry on her XXXX credit report X/XX/17. An official dispute of this inquiry was sent to CBNA XX/XX/17 however as of today XXXXX/XX/2017 the fraudulent inquiry is still being reported which is a violation of her consumer right under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION

Complaint:
Opened a checking account on XX/XX/18 under an advertising pretense that I would receive a {$100.00} bonus after I made a Bill Payment through the checking account within 60 days of opening an account. During the application process, there was a notification that said " {$100.00} Bonus Promo Applied. '' After I completed the qualifying activity, I contacted the back to inquire about Promotional payout through a secure message on XX/XX/18. I was told at that time that I would have to wait 90 days for the payout. After 90 days, I contacted the bank again on XX/XX/18 and was told that my account was not qualified for the promotional bonus and that I had opened the wrong type of checking account. This was clearly a bait and switch operation as I had received a notification that the promotional bonus was applied during the application process. I also know of others who had opened the same exact type of checking account through the same offer and they DID receive the {$100.00} bonus payout as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
OnXX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.

Complaint:
I am writing to file a formal complaint against Citibank related to a bonus XXXX XXXX miles offer that I received and enrolled in. The purpose of this complaint is to seek your assistance in resolving an issue concerning the fulfillment of this promotional offer, as detailed below. 

On XX/XX/2023, I received an email offer from Citibank, which stated that as a valued Cardmember with my Citi / XXXX XXXXXXXX card, I was eligible to receive bonus XXXX XXXX XXXX  miles for opening a new eligible checking account. The email clearly outlined the requirements to earn the bonus miles, with an expected posting time of 30 days after completing the required activities. 

I enrolled in the offer by following the instructions in the email and received a confirmation email on XX/XX/2023, acknowledging my enrollment. I successfully completed the required activities by depositing {$1000.00} in XXXX qualifying deposits and making XXXX qualifying pin-based purchases totaling {$1000.00} on XX/XX/2023, which should qualify me for the highest bonus of XXXX XXXX XXXX XXXX XXXX 

However, despite the email stating that the miles would post within 30 days, they have not been credited to my account as of today 's date. I contacted Citibank on XX/XX/2023, and was informed that I met the criteria of the promotion, however, the miles would take 90 days from the account open date to post, contrary to what was stated in the original email offer. 

I contacted Citibank again on XX/XX/2023, and was told that the promotion code XXXX was not associated with my account. I was requested to provide a copy of the promotion that was sent to me. I promptly faxed in the requested documentation. However, as of today, XX/XX/2023, I have been informed that it could take an additional 30 days for resolution, and there is no guarantee that the miles will be credited to my account. 

This situation has caused significant frustration and inconvenience. I believe Citibank 's actions are misleading and unfair, as the terms of the offer were clearly defined in the initial email communication. 

I kindly request that the CFPB investigate this matter to ensure Citibank fulfills its offer in accordance with the original terms and that customers are not subjected to inconsistent information and extended delays in receiving promised benefits. 

I appreciate your attention to this issue and look forward to a prompt resolution.

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