hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint:
XX/XX/2020 I opened a Citibank account online so I could access a XXXX payment of XXXX $ from a friend and cash out XXXX $ from a XXXX XXXX. I mistakenly tried to send a wire twice which resulted in a block on my account. I didn't think this was a huge issue but when I called they refused to tell me how to unblock my account as instructions had been sent in a " letter ''. I explained that the " letter '' had been sent to the wrong address. They refused to send another stating " we only send one ''. I called again after some digging online to find out what that letter may have said and explained that if my identity verification was all that was needed, I'd be happy to send that document but they refused to say what secondary documents may be needed. They said the account had been moved to closure and verifying my ID wouldn't help, it was over, nothing they could do. The remaining balance would be sent to my address after closure in about 30-60 days. 
Months later, the account was still open. I requested it be closed or that find a reasonable way for me to verify my identity to remove the block so I could access funds ( I live 12 hours away from a branch ) they said they would move it to be closed immediately. 
First week of XXXX I had an appointment with a personal banker who assured me the account would be closed within days and funds sent to the address on file. No further action needed. 
But then last week I was distraught to find the account was still open and still blocked. I called several times before I was connected to a very rude " specialist '' who said that even if they closed the account, the money would be held by them indefinitely because it had not been " verified '' meaning I had not ( or as she said " the account holder '' ) proved the money was mine before opening the account. That in order to verify the money belonged to account holder, I'd have to contact employers, friends, XXXX or anyone that had given me money to start the account. I had no idea what she meant, I have never heard of having to verify that money is mine before using it to open an account? She refused to explain further and lied staying that I'd be given a call at a later date. 
As of now the money ( about XXXX $ ) is still sitting in this blocked account. I've been promised countless times that it would be refunded at account closure but they refuse to close the account even after 7 months of inactivity. I was told I have no recourse. They have ruined 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 explanation
Consumer complaint received 2018-04-07
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: ONEMAIN FINANCIAL HOLDINGS, LLC.

Complaint:
Inquiries placed on my credit report without my doing during XX/XX/18 - present

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Resurgent Capital Services L.P.

Complaint:
On XX/XX/2022, LVNV Funding LLC added a derogatory mark on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX. After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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 recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, XXXX XXXX XXXX definitions state : rules of construction ( XXXX ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. TransUnion is reporting late payments on several accounts : XXXX 's XXXX - XXXX loans and/or utilization is an experience created by credit usage. XXXX XXXX XXXX ( a ) ( XXXX ) states any consumer reporting agency XXXX furnish a consumer report XXXX the the following circumstances and no other, in accordance with the consumer to whom it relates. I at no time gave TransUnion written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to XXXX XXXX XXXX XXXX congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states the banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting method undermined the confidence which is essential to the continuous functioning of the banking system. The reporting of these late payments are not accurate and my privacy has violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!

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 2020-07-10
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:
show tooltip button XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute DEPT OF ED/XXXXispute DEPT OF ED/XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/CHRYSLER CAPDispute violations broken FTC reporting same debt over 4 times on same report Fair debt practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Genesis FS Card Services, Inc.

Complaint:
Cb indigo XX/XX/2021 constant dispute have no knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated federally protected 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights.

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

PLEASE REMOVE THESE ACCOUNTS AS I HAVE FOUND THAT MY RIGHTS HAVE BEEN VIOLATED. 
Delete these accounts ASAP

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 2019-06-26
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: Experian Information Solutions Inc.

Complaint:
Information on my Experian credit report is not true or correct. Things need to be removed that are past seven and 10 years long. I dont understand why theyre not removed. Thank you for your help XXXX bless you

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 2023-01-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
It's been XXXX days since I've sent in a letter to each credit bureau requesting that that they tell me how they verified some inaccuracies on my credit report. They sent me a vague response with no explanation and now I feel like I am being taken advantage of. My credit is a serious matter to me and I feel like they are not taking the issue at hand as important as they suppose to. I am prepared to file for litigation if necessary. I need assistance with this issue.

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 2023-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.

Complaint:
I ordered an icemaker ( Order # XXXX ) on XX/XX/2023 for delivery to store # XXXX. 
I have not received the item yet. Today I called Home Depot ( XXXX ) and spoke to XXXX, who could not explain why I didn't get the item yet. 

The invoice number is : 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 monetary relief
Consumer complaint received 2022-03-11
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/XXXX I was charged for tickets on my Bank of America Credit Card. I disputed the charge however they will not block it. Since then I have found out they have a close bussiness tye with the ticket company that charge my card fraudulently. I made a complaint on this website previously and they have not responded.

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 2020-12-27
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:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$3100.00} written off. {$3100.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX XXXX Addresses not names or address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items:XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX AR 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 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
This is my second time disputing these accounts that is showing on my report inwhich is not mines and possibly could be the after affect of XXXX breach, I been told that these accounts been verified, but the real question is verified by who and supported by what physical documentation. According to the F.C.R.A., once disputed and not physically verified the reporting agency is to remove it from ones report. However, this is a serious issue when one doesn't comply. The accounts that's in question and needs to be removed are XXXX XXXX XXXX, and all of the 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 explanation
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JH Portfolio Debt Equities, LLC

Complaint:
I never did business with JH Portfolio, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on my report.

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 2019-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL

Complaint:
I have tried to ask Walmart /Synchrony bank to work with me in my credit card debt and except minimum payments and instead they want to sue me
I have changed jobs make less money now and I had to pay XXXX  and more to bury my mother I care for extra family members the past two years and I’m in hardship

I would like to work with them the customer service people don’t help my letters unanswered

XX/XX/XXXX sent letter 
XX/XX/XXXX sent letter to bank and message online
XX/XX/XXXX
XX/XX/XXXX
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 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. 
I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.

Complaint:
Experian continues to charge me for services I 've already cancelled more than once. I 've tried calling but due to extended wait times I can no longer get through to talk to 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 monetary relief
Consumer complaint received 2016-09-14
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.

Complaint:
This was a car loan which I totally paid off and as proof I received the Title to the car which is never issued unless a loan is completely paid off. A couple of years after, I had an accident in this same car and it was totaled ; my insurance issued a check for the cost of the car. The insurance company would NEVER issue a check and take in the car if I had n't the title. Hence, the loan was paid off leaving no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE

Complaint:
I'm not sure who you sold my account to, but they keep calling my mother, knowing it's my mother, and leaving voicemails trying to collect debt. They haven't properly identified themselves and just say they're with barclays and speaking in a foreign accent. Let 's get one thing straight, they are violating the FDCPA by calling my mother and leaving voicemails about debt collection. Because they haven't identified themselves to me, they're operating as you, so I need you to make this stop and forward this complaint to whoever you sold this to. They are NOT to contact ANYONE, including ME now. If they do, they will be in violating of the FDCPA and I will chase them for the fine. Because they're operating as you and not identifying themselves and leaving harassing messages, it reflects poorly on you.

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 2022-08-06
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:
Hello, All three credit bureaus show late payments more than 30 days on my account from XXXX - XXXX of XXXX. While my payments were later than the first of the month they were not more than 30 days. I have contacted XXXX to correct this but the credit bureaus are still reporting inaccurate information. 

I would like guidance on getting this situation rectified as it is becoming a hinderance. 

Thank you.

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 2020-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
XXXX XXXX offered a settlement ( in writing ) in XXXX 2017, for a credit card debt with them. All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to Portfolio Recovery. I provided them with documentation of the settlement agreement. The only response I got concerning my documentation was that according to their research, I still owe the debt. They have now forwarded the debt to debt collection lawyers ( XXXX XXXX XXXX ) of XXXX, Utah, who I assume are now planning to file suit on the matter. They say they same thing, that according to their research, I still owe the debt. At this point, apparently this definitely does need to come before a judge to decide whether a settlement agreement is enough, or that I should pay the balance on the account, even though it was the creditor, XXXX, who didnt fulfill their side of the agreement. And apparently, Portfolio Recovery and XXXX XXXX also do not think a settlement agreement was sufficient to keep XXXX from demanding the balance of the debt, as now Portfolio Recovery is demanding the balance of the debt.

Company response to consumer: Closed with explanation