hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-02-04
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: Nelnet, Inc.

Complaint:
I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX was the easiest and most helpful. XXXX  has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is XXXX. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from XXXX. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On ( XXXX ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 non-monetary relief
Consumer complaint received 2023-08-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
Someone attempted to open account using my identity at citizens bank. They were unsuccessful but I would like to notify your bureau in case this has happened with other financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems

Complaint:
I was notified by XXXX that a collection account had been added to my report early XXXX. I immediately reached out to this creditor whom I have never heard from via phone or mail, nor done business with and asked them for immediate validation of this debt per my FCRA rights. They responded with a typed letter stating I owe {$1100.00}. It contained no contract, no original loan date, nothing at all with my name and no documentation showing their rights to even collect on this unowned debt. On my credit it also shows that this account was opened XXXX of 2020 which is impossible due to the fact I am currently XXXX overseas. After asking for validation a 2nd time the company has stopped responding completely. I have attached the letter the used as VALIDATION of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC

Complaint:
The debt is supposedly a XXXX collection, but there is no overdue account at XXXX, nor was there. I interact directly with XXXX. My XXXX account has always been current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION

Complaint:
MT Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX 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 a account without my written instructions 15 U.S.C 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
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:
On XXXX XXXX, XXXX, I called XXXX XXXX concerning my credit card. I had made a payment to my credit card. They have reported inaccurate information on my card that has cause my credit scored to go down by 30 points. I make a payment and then the XXXX XXXX puts the interest fees on the card after I make the payment. It makes the card seem as if I have not made a payment. My card is now over the limit because of the high interest fees. I have discussed these high interest fees with XXXX XXXX and they told me since I missed a payment that they would not be able to lower my fees. I expressed to them that I have a long standing account with them and that I should be able to have my interest fees lowered on my card. The interest fees makes the card hard to pay off! 

XXXX XXXX states that I have a XXXX % on time payment rate but they still will not be able to lower my interest fees. I think this is unfair! My credit is suffering because of this! I have tried to resolve the issue with XXXX XXXX but they are unfair when it comes to this concern. I have looked up XXXX XXXX 's reviews and their are other customers that are going through the same concerns that I am. I need relief from this situation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANCO POPULAR DE PUERTO RICO

Complaint:
On XX/XX/2019 I made a {$20.00} purchase with the credit card in issue, which I have had for the past 10 years and have always paid on time ( as shown on my credit score ).

I submitted the payment of {$20.00} to this credit card on XX/XX/2019 ( 5 Days later ) to return my balance to {$0.00}. But for some reason my payment got rejected, and the bank NEVER notified me of this incident! Not a single email or phone call or text message saying " Your payment got rejected, please verify and try again ''. 2 months passed and the bank never notified me of this incident. 

The only way I found out was when I received an email notifying me that my credit card score had been affected by XXXX points because I didn't make this payment of {$20.00} on time. 

I proceeded to call the bank and they explained that the payment got rejected because when I created the " payment information '' I used the wrong routing number. Which is unbelievable since I use the same checking account to pay the other credit cards within the same bank that issued this credit card! 

Again, I use the same checking account to make successful payments to the other credit cards within the same bank, but for this {$20.00} charge, my bank information is invalid, my payment rejected, I was not alerted of any of this, and my credit score goes down XXXX points. Unbelievable!

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 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXXDEPT OF ED The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards,

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 2021-11-11
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 have 27 fraudulent transactions the were made on my account from XXXX in XXXX XXXX- I as never notified of any fraudulent activity- I got my bill and immediately called them - They were not able to verify my account due to THEIR issues and therefore have to send me a letter via usps- which will take 7-10 days - refused to issue a new card to me during the holiday season and it is attached to an airline so impacts my flying. The refuse to discuss any of this until I get the letter but did tell me the cared was not present and the number was manual put in. Many at the same store for the same amount but never was I notified until I got my bill- Now my card is shut off and it is the holiday season and won't send a new card and I have to wait 7-14 days for a letter they are sending - and refused to send an expedited later. I am trying to report fraud and they are making it so difficult I understand how people get away with it because the process is long and offers no help to the consumer - on my own I have called the police, the stores my card was used at - and 27 transactions happen on XXXX and I was never notified.!!!!!!! and many of the charges were identical amounts. After reporting it, and supposedly I get a email last night for an additional 3 fraudulent charges - I have spoke to numerous people at Citi cards and NOBODY will help me- and have left me with a card that is shut off so I will have declined charges for bills I use this account for and who knows when I will get a new card and after thus process do I even want to use this bank for anything????? The customer service is terrible and they seem to help the other guy and not the consumer. They have caused me stress, and questions as to whether my credit will be effected ..... They should be able to immediately help me when I call- I have the card in hand. Extremely unprofessional on the part of Citi cards... .seems like that want to help the bad guys more than their own customers.

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 2022-01-27
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 have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!

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 2017-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC

Complaint:
X/X/14    had   XXXX   XXXX  . I was  XXXX   XXXX   XXXX . My parents insurance paid part of debt.  Parent  signed for financial responsibility however collection agency put Debt on my credit report. They have not been able to provide prod of financial responsibility signed by me on  X/X/14

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY

Complaint:
My loan with Wells Fargo was under Covid forbearance for 15 months. After the forbearance period I was approved for a Covid Relief loan modification. Now that the forbearance period has ended Wells Fargo is now reporting that I was late during the forbearance period ( 15 months ) worth of late payments. 
I can loose my job over this inaccurate credit 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 explanation
Consumer complaint received 2022-06-24
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-05
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: Convergent Resources, Inc.

Complaint:
XXXX XXXX and XXXX are in direct violation of 15 USC 1681 a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 4. States that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumers right to privacy 15 USC 1681 ( b ) PERMISIBLE PURPOSES I never consented or gave permission for any of this information to be reported in the first place.

They are reporting negative information on these reports.

15 USC 1681 s-2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information to consumer reporting agency. they are required to furnish accurate information they are referring to their company policy. Company policy does not supersede federal law. The end. The law states that my consent is needed to disclose non-public personal information to a non affiliated third party.

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 2018-08-09
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 next step is to file a suit against the credit reporting agencies, Experian and XXXX to be exact. They are continuing to add to the initial fraud inwhich one has done to me. Their investigation continuously come back with the same results, verified, but never once providing me with any proof. This is my last request for you and your companies to block the following from my credit report ... .1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 )  XXXX XXXX {$56.00}, {$52.00}, 4 ) XXXX XXXX XXXXXXXX 5 ) XXXX 6 )  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 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.

Complaint:
Husband passed away XX/XX/XXXX. Received social security check for XXXX in XXXX. Bank placed hold on check. Was informed by social security that this check would not have to be returned as it was for XXXX. Bank would not release hold. On XX/XX/XXXX they informed me they were going to return the check because it was payment for XXXX. I asked them to verify their information and call me back. They did not. Today XX/XX/XXXX, they returned the check to social security. This is a hardship as it will take me at least XXXX  months to reclaim this check. They also sent through XXXX transactions instead of XXXX to return this check leaving me overdrawn.

Company response to consumer: Closed with explanation