hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-10-07
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}

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 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint:
I had credit monitoring through XXXX for all 3 major agencies. I was getting lots of emails about the XXXX product being transferred to Experian. None of them ever mentioned an increase in price. I noticed this morning ( XX/XX/XXXX ) that Experian had debited my credit card for {$24.00} on XX/XX/XXXX so I called XXXX. They didn't know what it was so I called Experian. They said that it was payment for credit monitoring. I explained that I had it already through XXXX, and that I had paid for this month already : {$12.00} on XXXX. They said they would cancel my account and that I would have to file a dispute with XXXX for the return of the {$24.00}. ( I assumed that they meant the account they were charging me for, with Experian, that knew nothing about. ) I filed the dispute with XXXX but afterward noticed 2 emails from Experian. The first said that my XXXX credit monitoring service couldn't be transferred to Experian because I had two accounts. It stated further that it was closing the account with XXXX. The second email said that my credit report had been unlocked. I tried all day to contact them but couldn't get through the robo answering device. I tried to go to their website to lock my credit file again but was told that they couldn't do it and that I would have to write to them. I am at my wits end with this company. I feel like they are attempting to extort me because I didn't pay an additional {$24.00} for a service that I had already paid for at {$12.00}. Since they have already unlocked my credit without my permission, I suppose that I won't be able to lock it again, unless I pay them. 

I have also lost my XXXX monitoring service in this process and I can reach no one at Experian to help me straighten this out. 

I am attaching some emails from Experian and also a copy of my credit card statement with XXXX. The first and the last entry on this screenshot are the debits to my credit card at XXXX and made by Experian. XX/XX/XXXX is the top entry and XXXX the bottom.

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 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I have had so much resistance with Experian and how there reporting this account. Fcra requres 100 % accuracy and this account is reported a charge for the last six years every month ( Ive included. A video that shows this as well not to mention this account was reaged Im asking for it to be remove from Experian XXXX and XXXX removed Experian is still reporting this is violation

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 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.

Complaint:
Ally financial has not sent the lien release or the title to my new lender which is XXXX XXXX XXXX XXXX. 

Loan was paid off on XX/XX/2020 One representative said it was sent to XXXX XXXX  on XX/XX/2020 Second representative advised it was sent on XX/XX/2020. 

All representatives have advised that they will not provide me copies. 

I was advised that a paid in full letter was sent to myself on XX/XX/2020. per XXXX. 

It was also not received. All information appears to indicate that ally is not telling the truth about releasing the documents. Online account shows that the Title/release of lien has not been completed.

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 2023-06-11
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:
I reviewed my Consumer Reports and noticed that I had two to four late payments on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : starting with XXXX and ending in XXXX. The account is closed so I don't have access to the full account number. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


CAPITAL ONE Bal. {$0.00} Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint:
Citibank closed my checking account on XX/XX/ for no reason and I had {$2400.00} in the account. Citibank has not sent me a check for the amount and has not told me why the account was closed.

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 2022-07-18
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 wi the fair credit reporting act, Credit collection XXXX  account number XXXX has violated my rights 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. 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 2021-06-12
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:
Called Discover after discovering that there were 3 unauthorized charges totaling more than $ 500+. I reported these charges as fraud and called Discover. I was worried that the charges would post to my statement, therefore negatively impacting my credit utilization, negatively impacting my credit score. The woman told me they would not post. I called the merchant and two of the charge were dropped off of my card. However, 2 days later I look at my credit card statement and the fraudulent charge is included on my statement. I called Discover back and XXXX told me that Discover had no obligation beyond refunding me to not include the fraud on my statement, and submitted the statement to the credit agencies including fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX XXXX   {$560.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Fidelity Services, LLC

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2023-02-10
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint:
I deposited a check into my bank account. I have deposited multiple checks from the same company ( XXXX XXXX ) and have never had an issue. Upon deposit of this check the entire amount was held. After calling the bank, Wells Fargo, I was treated rudely and then the woman on the phone proceeded to extend the hold an additional 5 days. They have failed to explain why, after having receiving multiple checks from this company, they have chosen to hold this one. Now my account will be charged additional fees and will be overdrawn for an extended period of time which will also result in another charge. This bank has had multiple infractions for the same type of actions. I will no longer bank here and I dont recommend anyone bank with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I have made several attempts to dispute inaccurate information, as permitted under FCRA ( sect 611 ) regarding XXXX XXXX # XXXX with this CRA, Equifax, because the information reported on my credit file is inaccurate. Equifax has responded on a number of occasions that " we have verified that this item has been reported correctly ''. 

I have repeatedly demonstrated to the CRA that the information is not only inaccurate, but inconsistent. For example, Equifax is reporting a date of first delinquency before the " assigned date ''. It is reporting this delinquency for an entity ( XXXX XXXX ) whom I have never had a contractual relationship with that would create such a delinquency. 

Under FCRA, section 611, in previous disputes, I asked Equifax to provide verification, update or remove the account. Equifax has stated that what is inaccurate - is accurate which is a violation. Specifically, they are reporting that I have a date of first delinquency of XX/XX/2019 with XXXX XXXX even though I have never had a relationship with them. 

I have repeatedly asked Equifax to delete this item from my credit file on the grounds that there is unverifiable information, and this action is required by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX XXXX has transferred my XXXX XXXX XXXX over to XXXX. Once I consolidated my student Loans, I was told by XXXX  XXXX that the loans that they were reporting on my credit report would be deleted and that the XXXX loan would appear as XXXX large loan. The Individual Loans are still reflecting on all three of my XXXX XXXX, XXXX, XXXX, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
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: Early Warning Services, LLC

Complaint:
I had applied for a job with a XXXX XXXX company, I was told I had to deposit a check for {$4600.00} and then withdraw {$4000.00} to send to the " regional manager ''. The check turned out to be fake and I had to pay my bank back the money even though it somehow cleared even though it was a fake check. Then the bank closed my account and told me it was not their problem and put the fraudulent activity on my credit history so now I'm not able to open a bank account anywhere else. Im sorry for what happen because I didn't do it on purpose and I paid back the money even though I feel like my bank could have done more for me but they didn't. Now I just want them to take off the fraudulent activity from my credit history because now I can't bank anywhere and I won't be able to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
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:
XX/XX/XXXX realized wallet was stolen with XXXX debit card and XXXX credit cards and drivers license. Tried to log into Bank of America online but unsuccessful. 
XX/XX/XXXX called fraud dept of Bank of America and other credit cards reported them stolen and requested new cards XX/XX/XXXX card was used at XXXX store XXXX twice on same day for total of {$4300.00} XX/XX/XXXX went to boa branch for assistance talked to XXXX XXXX for account status. 
XX/XX/XXXX recd letter from boa rejecting my fraud claim. 
XX/XX/XXXX called boa fraud dept. spoke to XXXX who said would resubmit claim XX/XX/XXXX boa branc spoke to XXXX who called fraud dept. later called fraud dept and talked to XXXX. 
XX/XX/XXXX spoke to XXXX in fraud at boa XX/XX/XXXX recd letter denying claim spoke to XXXX XX/XX/XXXX called boa with police case number. XXXX gave me dates and names

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 2018-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.

Complaint:
this company Resurgent capital services report to the credit agencies on XX/XX/2018 before the 30 days opportunity for me to dispute the validity of this debt. I answer letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX, XXXX. who say they where attorneys for XXXX XXXX XXXX, and send a letter to Resurgent capital services on XX/XX/2018 see attach documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANDY SPRING BANCORP, INC.

Complaint:
I opened an high savings account with Sandy Spring Bank. I applied for the account online and spoke with their security division prior to them approving and opening the account. The initial deposit from another bank was completed on XX/XX/2023. I have attempted to receive online access on multiple occasions. On XXXX, I spoke with their Client Center who stated that I needed to present myself to a physical branch location to be able to set up online access. I inquired on how I might be able to access my money and again was told that the only recourse was going to a physical branch location. I would have set up this account, nor would I have allowed the transfer of funds from another financial institution. Further, I am concerned about the security practices of Sandy Spring. If there was a need to confirm my identity or provide additional information, shouldn't that have been done prior to them opening the account and moving my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
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: EQUIFAX, INC.

Complaint:
This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation