hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION

Complaint:
On XXXX i submitted an EDIL loan for the SBA in the name of my XXXX XXXX XXXX company XXXX XXXX at the time i was unaware of my company 's status with the state of XXXX due to being in the hospital suffering from gunshots to my chest and back as a result of being carjacked. I got out and restored my company to good standing with the state of Georgia to continue business as if nothing had happened. during which time my XXXXXXXX XXXX XXXX account was closed due to my hospitalization. I couldn't make the necessary payment account was closed. i opened an account with BB & T in XXXX, MD. sent my loan funds to BB & T. They accepted my loan then closed my account stating i opened the account in fraud. AND THAT THEIR HEADQUARTER SPOKE WITH THE SBA. AND THE SBA REQUESTED THE FUNDS BACK. when i spoke with the SBA they said they had no knowledge of what the bank was speaking of. In all BB & T stole XXXX odd dollars from me in dishonest means please help me recover my funds or return them to the SBA as im am still responsible for the loan

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 2023-01-13
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.

Complaint:
XXXX XXXX XXXX  is original creditor - *Debt is collection agency AWA Collections - Total Charge for services {$410.00} XX/XX/XXXX - {$180.00} - PAID ( at time of service ) XX/XX/XXXX - {$57.00} - PAID ( Insurance paid ) XX/XX/XXXX - {$190.00} - PAID ( insurance paid ) I sent in a written dispute in XXXX when first placed on my credit. The company reviewed and removed the collection. This was recently placed on my credit AGAIN. I disputed a second time. They refused to review or remove. On XX/XX/XXXX The agent asked me to send in proof and it would be reviewed. After faxing over proof on XX/XX/XXXX I spoke with AWA and they told me the docs were the same and still owe {$220.00}. 

I have also attempted to dispute with credit bureaus. XXXX  removed. XXXX  and XXXX  keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : 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 2022-07-20
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:
I'm in the process of building my credit. I haven't applied for anything in over 20 years. I was XXXX  for the 20 years. With the help of my daughter, we were trying to build my credit up. So, we pulled my credit file and there was an account by the name of XXXX XXXX account number XXXX opened XX/XX/2021. 

This account I never authorized to be opened, I never applied with XXXX XXXX XXXX  to open this card. I never signed for anything ; I never spoke to anyone in reference to anything. 

My daughter started doing research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

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 2018-02-13
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 paid a company XXXX XXXX XXXX XXXX on XX/XX/17 XXXX.When i contacted my credit card to dispute the charge they initionally gave me a provisional credit.I disputed it as services not rendered but they did not look at it that way and put the money back on my card.That was a mistake on their part.It should have been looked at as services not rendered. It also happened to me with Renevate to rent who charged me XXXX and rendered me no service.I would think these should be looked into properly.Master card made the mistake and i am paying for it.Thank you  in advance.

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 2021-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC

Complaint:
I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$1200.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bayside Capital Services, LLC

Complaint:
Last year ( XXXX 2016 ) I have borrowed online payday loan ( which is not licensed in my state ) the amount of {$1600.00} and I have paid {$970.00} and I have principle balance {$620.00}. 
I have contacted to XXXX washington that this payday loan ( XXXX XXXX XXXX ) not licensed in state of washington and I do n't have to pay excessive interest ( 480 % ). So I contacted to XXXX XXXX XXXX  that I willing to pay the principle only. But I never reply from XXXX XXXX XXXX. 

But today, I got a phone call from 'BAYSIDE CAPITAL SERVICES ' collection agency. 
They told me that they bought my account from XXXX XXXX XXXX. ** They told me that I owe {$2600.00} as of today and they threatening me they will sue me and they are going to garnish my salary. 
I asked willing to pay the principle {$620.00} but they refuge and they will serve the summons early next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
A dispute was closed as part of a recent CFPB complaint with monetary relief resulting in a credit balance on the account on XXXX XX/XX/2023. I called to request a credit balance refund on XXXX XX/XX/2023 as I'd paid the disputed amount pending the outcome to protect my credit. Upon requesting a refund, I was told that the case was still pending and I could not be refunded until it was closed. I asked to speak to a supervisor which I did not get. I got another associate who processed the request. I still had not received a credit balance refund, so I contacted credit card department again XXXX XX/XX/2023 and XXXX indicated that it was denied because of open disputes on the account. I asked for the case number and she replied that she could not find one. Associates continue to suggest I swipe the card to use the balance which I don't have to do and there are few purchases I would like to make without consumer protections which Capital One clearly does not provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08
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: EQUIFAX, INC.

Complaint:
i have tried to dispute these hard inquiries on phone with each credit company but they have not done anything for XXXX days. it is causing my credit to decrease tremendously. i am already under XXXX  for XXXX  years so that makes it hard for me to get collateral in my name so with these false accounts on my credit report, it is almost impossible to get a credit card to build my credit because of XXXX so i dont know why they are not disputing these negative and hard inquiries that dont belong to me. could you all please let me know what to do next so i can be in a decent standing with my credit. i have done everything knowledgeable to do. this is my last step.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
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: EQUIFAX, INC.

Complaint:
I have had several problems with Equifax actually investigating inquires on my credit report. I have submitted disputes and they simply send me a letter to call the creditors in question. I have called the creditors and they tell me that I MUST OPEN A DISPUTE with the credit agency directly to get it resolved. 

I keep getting the run around from Equifax about their investigation process into inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
My loan with XXXX XXXX XXXX for my XXXX XXXX XXXX   was paid in full on XX/XX/2018. I was sent the tittle and the congratulations letter from the company stating that it was paid in full and the account was settled. When I applied for another loan for a car I was advised that the car I paid off was showing on my credit report as a repossession instead of paid off as it should have been. I contacted the loan company, after telling me that my car was repossessed they saw that it was an error and they were sorry. i've been denied for 2 loans as an result of this being on my credit report, causing my score to drop considerably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA

Complaint:
A XXXX XXXX credit card was opened in my name. I have applied for a credit card to this business, in fact, I have not applied for a credit card in over 10 years. XXXX of XXXX is also reporting the fraudulent activity, but recommended that I submit a claim to CFPB.

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 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
i have been writing all XXXX bureaus, about accts and inaccuracies, in my credit file. There is a account, XXXX XXXX XXXX # XXXX, they are reporting, XXXX different negative late payments, i have written them several times, and they still continue, to keep this in my reporting even though it is inaccurate reporting. They are supposed to be a independent agencies, why do they keep doing negative things to the consumer file. i am a single woman, trying to raise a child, the law is clear inaccurate or incomplete, listings have to be deleted, its costing me time and money to try and get something so simple, how do they have so much control over our lives. XXXX, TRANSUNION and XXXX all are still reporting such.

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 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/XXXX, I attempted to make a full payment of {$230.00} on my Capital One credit card website. I made the payment using my XXXX checking account to draw the funds from as usual. Capital One website has a tool that will automatically prevent you from selecting an account with insufficient funds to make a credit card payment. Therefore, I've always made my Capital One credit card payments with my XXXX checking account for years. I've been doing this for a few years within fail and any glitches. However, this one particular time on XX/XX/XXXX, Capital One, twice sent back my payment to XXXX stating that the payment was attempting to draw insufficient funds from my Capital One checking account. This is not true, the tool I used to set up the payment prevents and prevented me from selecting the account with insufficient funds, so you can not select a insufficient account even if you wanted to. The tool will immediately inform you that you don't have the necessary funds in your account to make the required payment. This is the reason why I've always used my XXXX account to make Capital One credit card payments and never my Capital One checking account. Why they denied the payment twice, I don't know. I checked with my XXXX bank twice why the returned funds and they didn't know the reason why either. I had more than sufficient funds in the XXXX account to cover the {$230.00} payment on XX/XX/XXXX, so neither XXXX or I understood why Capital One returned the payment. The statement from Capital One stating that I arranged the payment on my Capital One checking account is false. Not only did they charge me a late fee for the payment being received after the due date of XX/XX/XXXX, they used the late fee/payment as a reason to charge me an interest fee. I don't think I should pay either. The late fee was refunded to my account, but the interest fee should be as well. I truly understand that mistakes happen, but this appears to be one of those attempts to collect unnecessary fees from one of their customers. Sort of like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.

Complaint:
I received a notice to collect debt from procollection from a leasing apartment XX/XX/XXXX I didnt not lease from. They did not mail anything in mail previously before and account was filed in XX/XX/XXXX. Now they reporting my name to collection XX/XX/XXXX and I never signed document for XXXX XXXX XXXX, I have a family member who did however my name is not on the lease. I called XX/XX/XXXX they demanded a payment even after I sent in the move in statement from family member name on it and I explained to them to email the with proper documentation. The manager sent my sister and I an question mark.

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 2019-06-04
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON 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 non-monetary relief
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK

Complaint:
DISCOVER FIN SVCS LLC Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX Credit Limit : {$500.00} on XXXX. {$0.00} on XXXX Last Reported : XXXXon XXXX. XXXXon XXXX Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX Date of Last Payment : XX/XX/XXXX on XXXX on XXXX This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and XXXX. 

This is a violation of reporting false information BY DISCOVER on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP

Complaint:
I had a checking account with US Bank. In XX/XX/XXXX there was fraud on the account for which we filed a police report. In late XX/XX/XXXX we went into the XXXX, AZ branch to notify them that fraud had occurred on the account. No action was taken at that point by US Bank. Since the no action was taken, the account remained open and an automatic draft went through placing the account in a negative balance for a few dollars. The amount of the reported fraud was more than the amount the account went negative. If the fraud had been processed the account would never have gone negative. Because of the negative balance, US Bank added 6 overdraft fees ( NSF ) for a total of {$220.00}.

In mid XX/XX/XXXX I receive a letter from US Bank stating the account was in negative balance. The same day I received the letter I went to my local US Bank branch to get this cleared up and provided them with a copy of the police report. I was told by the banker i spoke with that they would begin working on resolving it and that I would be contacted with further steps. I specifically asked the banker to confirm this would not be placed in collections until I was contacted.

I did not hear back from US Bank until early XX/XX/XXXX when I received a letter stating the account was now in collections. At that point I have gone to my local branch to get this resolved but keep being run around in circles. I submitted a fraud claim with was denied without notification to me. I contacted US Bank again and the claim has been re-initiated, but I do not have confidence any action will be taken.

I have asked repeatedly that this be taken out of collections given the previously explained information with no action from US Bank.

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 2023-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.

Complaint:
My wife left me a XXXX  of months ago. I recently started getting notices from debt collectors for debt that I didn't create. My wife apparently took out several credit cards and loans out in my name before she left me, and currently has me {$30000.00} in debt. I froze my credit, filed fraud claims through the 3 major credit bureaus, contacted the local police department and prosecuting attorneys office, but they told me that since we are still legall married that I can't file a complaint for identity theft or fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint:
All inquired about the report are in violation!!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed 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