hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-07-22
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 719transunion has me at a score around 590. 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX n cant provide to my XXXX XXXX XXXX  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 2022-03-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint:
Since XX/XX/XXXX, XXXX Wells Fargo is allowing my identity to be use by some thief. 
The thief has been using my address and my name as well as my email address and how did he/she managed to open multiple bank accounts using my information with or without the help of the BANK in QUESTION? 

Wells Fargo Bank has been sending me statement, letters, emails and even a debit card using my name, my address and my email address on multiple accounts I have not opened. I have NO business with Wells Fargo Bank. 
I have gotten multiple letters and collection letters from Wells Fargo as well. It's extremely annoying the endless amount of time/money that this FRAUD has cost me. 

I met/and contacted the bank on XX/XX/2022 in my community to discuss the issue. I made a report with the local police. I lost money because of this thief. 

But letters continue to insult my dignity and identity. 
Please I need an authentic answer to this issue. I worked all my life so hard to be abused by a thief who wants to steal my identify and commit financial crimes. 
Please contact me ASAP. 
THANK YOU! 
Or email me A fair solution to this issue, would be to compensate me for damages and lost of time, fear and mental health damages to my name/life which already is full of debts. I need to be compensated for the weakness or failure to secure my identity/the use of my personal information tacking my integrity, my dignity and my vulnerability as a hard-working person, a tax payer and a decent name. I want the bank to find the thief and let me know who did it. I want these accounts to be removed and permanently block the thief from further damage to me or anyone else. That's is a security issue because if we cant keep safe the business of money as a way to do make transactions, then we will be all forced to go back to trading goods which is a fair safer way to do business. il.com.

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 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
Regarding Navient Account Number XXXX I was paying about {$130.00} monthly to Navient through autopay. 

I made a {$4000.00} payment last week to pay down my loan. 

I just checked my bank statement and found that Navient charged me {$190.00} for no discernible reason. 

I called Navient customer service to find out what the {$190.00} payment was for, and they COUD NOT tell me. Nor would they refund my money while they did their internal investigation. 

They basically went into my bank account and took an UNAUTHORIZED PAYMENT and can't even tell me what it's for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint:
On XX/XX/2022, an unknown individual went into a XXXX  store and performed a XXXX swap, thereby taking over my cell phone number. They then hacked into my XXXX and Citibank accounts and completed a {$42000.00} wire transfer. When Citibank attempted to contact me ( via telephone call, email, and/or text message ), the unauthorized user was able to confirm the wire transfer, as they were receiving all communications sent to my cell phone number. I have reported the fraudulent activity to Citibank and XXXX. Citibank has yet to refund the money.

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 2018-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WESTERN CONTROL SERVICES, INC.

Complaint:
Doctor billed wrong insurance and called them. I was on XXXX and they bill my old insurance.. The Doctors office said at the time it was taken care of. In the coarse of getting a home loan, my credit was ran. The collection was on there twice under two different names of collection agencies. Both refused to remove when report. We sent in dispute with the credit report and finial one of them was removed. Reached out to collection agency because the doctor is dead. The doctors office can not fix the error. They will still not remove and has cost me so much money, time and stress. I do not owe this and they said even if I paid them they will not remove it. They have been rude and degrading to my lender, mortgage broker, real-estate agent and myself. laughing and hanging up on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.

Complaint:
Reviewing my credit reports as of XXXX XX/XX/XXXX, I noticed that an account named ChildSupport Enforcem / Account # XXXX is reporting on my reports as " C '' for collections. I've never been notified by any agency/bureau/entity informing me that a Child SupportEnforcem is in collections. Furthermore, The reports reflect that there is No Data " ND '' for XX/XX/XXXX, based on the Experian report. XXXX credit report as of XXXX XX/XX/XXXX reflects paid collections, while XXXX credit report as of XXXX XX/XX/XXXX, reflects multiple months of " ND '', and Paid 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 explanation
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Education, LLC dba Aidvantage

Complaint:
My student loan servicer changed from XXXX XXXX to Aidvantage, and I am attempting to apply for the PSLF waiver. I have never missed a payment since I graduated in 2015, but in using the PSLF help tool Aidvantage is reporting zero payments made. I am afraid I am going to miss the PSLF waiver because these companies can't keep their records straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.

Complaint:
I have been submitting multiple dispute letters and CFPB complaints against you to request to remove the erroneous information that you have been reporting on my Credit File. When I checked my credit record, I discovered multiple billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any negative statements on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that should have been corrected and or removed a long time ago : XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}. Also, you have been failing to send me copies of proof of verification from the investigation you were supposed to conduct. I have my doubts whether you did any investigation at all. Under the FCRA, I am going to request once again to remove the negative marks and statements on the disputed accounts or completely eradicate the disputed accounts themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION

Complaint:
I received a notification from Truist that my new debit card was returned to them undeliverable, I tried to call them many time waiting more than 45 minutes to speak with someone, was impossible. 
So I need to request a new debit card for each account I own with Truist XXXX XXXX XXXX XXXX XXXX XXXX To be sent to my mailing address on my profile. 
Thanks

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 2022-05-31
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:
This letter is a formal complaint that you are incomplete credit information. 
reporting inaccurateand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the originalsigned consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please REMOVE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracyand completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc.

Complaint:
I have attached an FTC report with inquiries I did not authorize

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 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY

Complaint:
On XX/XX/2021 {$2400.00} was deposited into my account via a fraudulent transaction. I filed a fraud claim on XX/XX/2021

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 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.

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 2021-01-23
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I XXXX XXXX hear declare a dispute with Experian credit report I have no problem disputing a report it says it needs more information that it's already did a dispute I can not put in a dispute I've had this acount since XXXX on my credit I give Experian my dispute information for a credit reporting on my report that was negative that's making me hard to obtain credit from this account that was XXXX that has been paid off from XXXX XXXX XXXXXXXX XXXX XXXXXXXX further investigation XXXX XXXX has been paid off back in XXXX payed XXXX XXXX i would like this off my credit report. its not fair that a company hold me back in this time of high gas price and instest rate trying to rise my son and keep food on table. high taxes here in california

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 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.

Complaint:
During the pandemic starting in the beginning of 2020, I was so behind on bills. My employment suffered which made things not better. I also caught Covid 19 as well. But I do remember a settlement letter from XXXX XXXX XXXX who represents BEST BUY about settling the account for XXXX. I immediately jumped on it because I had to catch up. It took me 4 payments and I even got a letter from them stating that it's paid. On my credit report though it states that they closed the account and charged the amount off, but it still saying XXXX dollars is still past due. INACCURATE. I had a similar debt with XXXX XXXX in which I also settled with them. They closed it and there is no balance due showing on my report. So why can't BEST BUY do the same. I just want it show closed with XXXX balance

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 2023-03-10
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: CITIBANK, N.A.

Complaint:
In accordance with the fair credit reporting act XXXX  Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
I have a credit card with USAA Federal Savings Bank. I have had the card for well over five years and have never missed a payment. I received a call on XX/XX/XXXXfrom a collection agent telling me that I had failed to make my payment. I immediately scheduled an online payment from my account at a different institution effective for XX/XX/XXXX in the amount of {$110.00}. I then chatted with a representative from USAA and once she looked at my account waived the late fee because I have never been late on a payment. The payment of {$110.00} was effective for Friday XX/XX/XXXX. Once the payment was applied it should have made my balance on the card {$1900.00} giving me an available balance of {$95.00}. When I checked the account on XX/XX/XXXX my available balance was still showing a negative {$24.00} credit. I started a chat session with XXXX XXXX and was told that due to my card being over the limit by {$24.00} and my payment being missed they had placed a hold on my ACH payment that was effective on XX/XX/XXXX and it would not be released until XX/XX/XXXX. That is 7 days after my ACH payment was made. XXXX XXXX told me he was sorry and that there was nothing they could do about it. This is the first time I have ever had a missed payment and I remedied the situation as soon as I realized my mistake. Holding my ACH payment for 7 days is excessive. An ACH payment only has a two day window where it can be returned by the paying bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.

Complaint:
I am submitting this complaint because I am being extremely affected by CREDIT MANAGEMENT , LP, They are being completely unfair and I dont know how to get ahold on them but through this portal. 

This what happened : I sold my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX in XXXX of XXXX where I was listed as the account holder with XXXX XXXX XXXX After moving they generated a final bill which was never relayed to me. Although we moved to our new home of XXXX XXXX XXXX, XXXX XXXX CA and started XXXX transferred our XXXX service to that address., XXXX XXXX XXXX never transferred our old bill to our account for payment which resulted in us not knowing we had an open balance showing Final bill was not sent. 

Last year the person who lives at our old house sent me some old XXXX bills, this is how I found out that there was an outstanding bill. 
In XX/XX/XXXX he called XXXX to setup payment plan. He paid {$400.00} in XXXX, I was led to believe they would take out the monthly payment automatically in an installment plan but I later found they failed to do so. 
And the collection company didnt send me any notices eithe Account information. : Date Assigned XX/XX/XXXX Original Balance : {$930.00} Responsibility : Individual Solution : Deletion account from all credit bureaus and waive the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief