hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting 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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXX Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint:
I wrote a check from my Citi checking account payable to myself on XX/XX/XXXX for {$15000.00} and deposited it at another institution. Citi placed a fraud block on the account and sent me a text message asking to approve or deny the item XX/XX/XXXX. I approved the item within seconds of receiving the text and got a confirmation the item would be paid. The item was returned by the XXXX XXXX XX/XX/XXXX referencing the Citi account freeze and I was charged {$15.00} by the XXXX XXXX. Due to Citi 's ineptness and no time to write another check I pursued an online wire through Citi and was charged {$25.00} by Citi. I am requesting the {$25.00} wire fee reimbursed. Citi customer service said they can not or don't know how to do that.

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 2018-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp

Complaint:
XX/XX/2016 I spoke with a representative of XXXX XXXX XXXX and was informed that this company would help in the Student Loan Forgiveness Program. 2 other family members and I were told that a discount would be applied for working with the government. Also, payments would come out of my account monthly. I was informed by a representative of XXXX that I had sign a contract and I was approved. The third party company is Equitable and they cant give any information out. Equitable also told me if i did not paid it. It will be on my credit report because they processed the paperwork and that what I am paying for. They told me to call XXXX for additional information. I was also told once the loan is paid off I wouldn't have to worry about a Student loan  because it will be paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc.

Complaint:
I mailed in a dispute letter to Experian and XXXX regarding the following account XXXX, XXXX account number XXXX on XX/XX/XXXX pointing out several inconsistencies that I noticed on my credit report with the way the account is reporting. The open/closed date is inaccurate, balance reporting is inaccurate, the XXXX date, as well as the account status is all inaccurate. Experian and XXXX  both received my dispute letters because I sent the letters certified with receipt tracking and Experian received my letter on XX/XX/XXXX and XXXX  received my letter on XX/XX/XXXX and has failed to investigate my dispute within the allotted time of 30 days yet they continue to report this inaccurate information on my credit report. This is XXXX  I have been disputing the validity of this debt since XXXX and Experian has continuously given me the run around about this account. Please DELETE this account immediately for not only inaccurately reporting but failing to investigate account within 30 days!

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 2021-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.

Complaint:
I get calls 2-3 times a day from NCB MGT SRV INC with different numbers, like XXXX or XXXX. No message is left and noone speaks if I answer. 
I looked on line to determine what the letters meant and found it was a debt service. 
I do not have any outstanding debts and see no need to be harrassed by the continual calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc.

Complaint:
I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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:
This collection was disputed and removed then placed back on my account. This collection was removed because i did not owe XXXX this debt and they couldn't provide the information to placed this alleged debt on me. This collection must be removed from my credit report immediately for it is in violation. I also provided the letter saying that they will removed the collection.

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 2018-12-07
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:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint:
On XX/XX/2021 there were two withdrawls made from my personal checking account in the amount of {$2500.00} each in two seperate areas in Florida. I live in XXXX Arizona and was not in Florida during the time the money was taken from my account. Wells Fargo did not notify me of any suspicious activity. I noticed the activity on my account and notified Wells Fargo of the withdrawls made and a claim was established. Since that time multiple claims regarding the same issue have been submitted and all claims have been denied by Wells Fargo with them saying there was nothing else they could do for me and suggested I contact the sheriff 's departments. I then contacted XXXX XXXX XXXX XXXX XXXX. as well as XXXX XXXX XXXX XXXX XXXX. Neither of the sheriff 's departments were able to help me recover my funds. I did receive a suspicious email saying a card was added to my XXXX XXXX, but I am unaware of what that is. At no time in my life have I ever given another person my personal information or been irresponsible with it. I have been trying to get my money back for months now with no help from Wells Fargo.

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 2019-08-02
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:
Over the past 1 year, I have been dillegently demanding proper validations of the following accounts : *XXXX  XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX I have NOT been provided the mandatory validations of these accounts which includes : * Signed and dated contracts from the above mentioned accounts * locations where these accounts were allegedly opened, representative name and contact information who opened these accounts * complete account numbers * account balances, opened closed dates These allegations are damaging my credit and causing me distress and loss of employment due to its adverse affects. 
I am a victim of identity theft in addition. 

This bureau is violating : * FCRA 611 ( 15 U.S.C. 1681 ) * FCRA 623 ( a ) ( 7 ) *FCRA section 1681c *FCRA 611 ( 5 ) ( a ) * FCRA 609 ( a ) ( 1 ) ( A ) * section 611 ( a ) ( 1 ) ( A ) I demand that these accounts be deleted immediately. Otherwise I will have no chose but to persue legal action immediately under ( Section 616 & 617 ) if you fail to comply with the FCRA. 

I have several receipts for my USPS certified mailed, notarized affadavits to this bureau demanding complete validation of these allaged accounts as well as stated that I am a victim of identity theft and that these are not my accounts. 

They have refused to validate or delete these adverse accounts/late payments from my reports. 

You are required to have a copy of the original creditors documentation on file, according to the FCRA. 

Simply sending me a generic response stating " account updated '' is not validation. 

Signed, Distressed Consumer, 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 2023-02-20
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 further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  ) XXXXBalance : {$71000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Collector : XXXX XXXX  XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$380.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 


I have disputed these accounts several times because the date open is reporting inconsistently. The letters came back verified and the accounts are continuing to report errors after they claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: JPMORGAN CHASE & CO.

Complaint:
I am writing this letter to report that my former bank, Chase Bank refused to investigate the evidence / supporting documents I have about a transaction that shouldnt have been applied to my account. Chase reported me to credit Bureaus as delinquent. 
Here are the facts : On XX/XX/2020, I booked a flight from Washington, DC XXXX ( XXXX ) to XXXX, XXXX ( XXXX ). The flight was scheduled for XX/XX/2020. I paid for my flight ticket using Chase Credit Card the amount of {$700.00} on XXXX XXXX On XX/XX/XXXX, due to the corona virus pandemic, the XXXX XXXX published a list of countries that are not allowed to visit XXXX and USA was one of them. Americans were banned from travelling to XXXX. 
The travel agency and the airlines both absolutely refused to refund my ticket, even though it was completely useless! 
While I was stranded overseas, I contacted Chase twice via online banking to dispute the transaction. 
I contacted Chase Bank to file the dispute via the online platform they set up for this reason. The was a limited number of spaces to explain my concern. There was no way to upload any documents and the only other way to contact Chase was to sending them a fax or give them a phone call while I was stranded overseas with limited access to technology. I left messages on the Chase bank platform and requested an email address where I could contact them. I also requested to have the result of their dispute sent to my email because I did not have a physical address in USA at the time. I was overseas for 7 months. 
Chase ignored my requests repeatedly. I managed to make an overseas phone call and contact the bank ; however, they keep ignoring my request and saying that my documentation had not been sent. ( Please see attached copy of the documents that I have ). 
While I was overseas trying to contact Chase regarding the dispute I had filed, Chase was trying to contact me regarding payment. There should not have been a payment, this charge should never have been processed. 
One month ago, when I came back to USA I went to a Chase Bank branch and they called the credit card branch. I was told that they can not open this dispute again because its too late! Basically, the information I have provided has been ignored. 
I am still disputing this transaction and therefore I am asking that any item or information reported by Chase Bank to Credit Bureaus be removed from my account until true diligence can be performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION

Complaint:
I have an ongoing problem with a website that is servicing  BBVA Compass. I  pay many bills each month, and find thi s one web site to be consistently confusing. I suspect it is not by accident, but by design. I sign in to pay my bill, make all the selections to pay it, verify the information and then get a page that says, Payment Confirmation '' in big letters at the top of the page. Each month I note the time and date that I pay it and save it as a PDF on my computer.     The problem arises when I read the big letters at the top of the page which say, " Payment Confirmation ''. There is an additional step required in order to complete the payment process ; there is a little button at the bottom of the page that you do n't see unless you scroll down. This last step requires you to Confirm yet again that you are making the payment. No other website has this last step, which requires you to confirm the payment before you are finished with the process. As a result it is very easy to miss this last step, thinking you have paid your bill and I have often missed this step. It has caused me to pay several  XXXX  dollars in late fees while paying this account off. I am sure this last step is added by design and I know other customers are experiencing this issue as well. The bank would only need to add a notice on the top, next to, Payment Confirmation '', which could state that a last step is required to complete the transaction, but they wo n't do it.     I have mentioned it to the bank employees several times and have even visited the bank branch to complain about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc

Complaint:
The XXXX XXXX sent me multiple emails after I departed from their facility none of which mentioned a debt owed. I have attempted to contact them for months when my roommate first made me aware of the balance ( no answer ). My roommate stated that it appeared on her credit. A month later I started getting harassed with multiple calls ( within minutes of each other ) everyday while at work. When I would call back I got line errors so I thought it was fraud. This company Hunter Warfield who is now reporting to my credit never sent me anything regarding this debt. I had no issues fr the XXXX while living there so Idk what this could be for. I have disputed this debt TWICE on my XXXX report since XXXX and still have not gotten a breakdown of the debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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:
XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment date as XXXX. 
XXXX  has XXXX 's last payment status date of XX/XX/XXXX. 

XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment as XXXX XXXX  has XXXX 's last payment as XX/XX/XXXX. 

XXXX  has XXXX  's last payment as XXXX. 
Transunion has XXXX  's last payment as XXXX. 
XXXX  has XXXX  's last payment as XX/XX/XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XX/XX/XXXX. 

XXXX  has XXXX XXXX last payment as XXXX Transunion has XXXX XXXX last payment as XXXX. 
XXXX  has XXXX XXXX last payment as XX/XX/XXXX. 


THESE ACCOUNTS APPEAR TO BE FURNISHED BY THE SAME CREDITOR SO WHY IS IT THAT THE DATA THATS PROVIDED IS DIFFERENT ON EACH BUREAU? IT IS THEIR DUTY TO ENSURE THAT ALL INFORMATION PROVIDED IS CONSISTENT AND MOST IMPORTANTLY ACCURATE. HOWEVER THE CREDIT BUREAUS HAVE FAILED TO DO SO. I HAVE CONTACTED EACH BUREAU SEVERAL TIMES ABOUT ERRONEOUS INFORMATION. XXXX  HAS CHOSEN TO BLATANTLY DENY MY REQUEST TO FURTHER INVESTIGATE THE MATTERS.BECAUSE OF THIS APPARENT NEGLECT IN ENSURING THAT EVERYTHING ON MY REPORT IS ACCURATE, CONSISTENT, AND UP TO DATE, I AM HERE AGAIN REQUESTING THAT THESE ERRONEOUS ITEMS BE DELETED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.

Complaint:
Received a phone bill from XXXX, stating that I owed XXXX in XX/XX/2021. Never had an XXXX account nor any of my family memebers. Called the customer service, the customer service representative told me not to worry about it without further explanation and just hung up the phone. On XX/XX/2021, I received a debt collection agency noticed that the debt is owed.

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