hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.

Complaint:
When I entered into a home mortgage modification with XXXX XXXX, Real Time Resolutions , Inc, I contend, illegally filed a corporate assignment of mortgage thru the court system in Florida. This assignment ( 2nd lien on my property ) falsely indicated ( I contend ) that I authorized and executed, thru Mortgage XXXX XXXX XXXX XXXX XXXX, them to file the assignment of mortgage. The alleged debt, according to the credit bureaus, was supposedly sold mid XX/XX/XXXX. Real time resolutions filed the assignment against me, beyond the state of Florida statue of limitations. They filed late XX/XX/XXXX. That is beyond the statue of limitations. I wish to suggest that real time resolutions vacate the lien and cease any more actions on their alleged debt.

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: Incorrect information on your report — Personal information incorrect
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. 
XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.

Complaint:
I inquired about an equity line of credit in  XXXX  of  XXXX  with Washington mutual Chase bank. On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch manager  XXXX    XXXX   was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize  any one to u se my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Novea Portfolio Management LLC

Complaint:
I have previously requested that an item on my credit report listed under XXXX be investigated. In my CFPB Complaint ID # XXXX submitted XX/XX/2022, I stated that I had not received a response from your company with the results of my investigation requesting to verify the accuracy of this account. 

Your response to me was dated XX/XX/2022 and you stated : -Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. 

-If you question the results of our dispute process, you may also contact the furnisher of information directly. 

I did as you told me, and I submitted a complaint to XXXX on XX/XX/2022 CFPB Complaint ID # XXXX. In their response, XXXX stated that any further questions or concerns regarding the loan should be referred to Buyers Holdings , LLC. 

I then filed a complaint against Buyers Holdings , LLC on XX/XX/2022 CFPB Complaint ID # XXXX and Buyers Holdings , LLC stated they have not reported any trade line with any bureau pertaining to the complainant and encouraged me to resolve the matter directly with the Credit Bureau and the Financial Institution that has " allegedly '' filed the trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Experian Information Solutions 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. 

Account Names/ Account Numbers 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 XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 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 2021-03-30
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 have had a very difficult time resolving my issue with equifax. I advised them I was a victim of fraud. I called the consumer service line and spoke to a young lady named XXXX in XXXX and she advise me that she cant access my report. I filed a report with you guys previously and they advised you I didnt provide Enough info for them to address my concern. Which I clearly did by providing my social. So this time Ive attached a copy of my social security card and id since equifax keeps ignoring my concerns. Im requesting a current copy of my reporting I was a victim of theft the items have already been removed by equifax I just want a copy of my report reflecting that because for some reason Im getting conflicting information. So once again so that theres no ring around the roast Ive attached a copy of my personal identification along with the copy of the letter equifax sent saying this account was deleted. As well as other items showing account deleted please ensure items removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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:
In XX/XX/2019 the XXXX XXXX XXXX reported me to the credit bureaus as 30 days past due. This problem was happened due to I din ' t receive my bank statement from XXXX. I went to talk with the manager on XX/XX/2019 at the XXXX XXXX branch office, XXXX, WA. Her name is XXXX, and I paid the bill. However, I explained the reason that I never receive my bank statement which causes me didn't know my checking account did not have enough funds to pay the auto payment system through XXXX, and she responded on this issue by asked me to contact the credit reports three bureaus. I did right away. From XX/XX/2019 until today the 30 days past due are still shown in the credit reports which hurts my score a lot to on impact my finance, my business loans, mortgage loan, insurance, etc. This is not fair! without the bank statement is no way for me to keep track of paying my bill online especially with the auto payment system. Truthfully, in never have 30 days past due with any loans with the lenders due I can keep track and manage my fiance and bill payment very well with bank statements by mail, but not online. Hopefully, you understand my situation and help me to remove this 30 past due with XXXX and the three credit reports bureaus asap. Thank you! XXXX XXXX. XXXX XXXX XXXX Note : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX The three credit report bureaus : XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA 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 2023-04-10
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: M&T BANK CORPORATION

Complaint:
Between the dates of XX/XX/XXXX-XX/XX/XXXX someone used my business debit card to purchase $ XXXX {$7000.00} worth of high cost items. 38 charges for random products such as shoes, batteries, child face shields, dog boots and more. My account was taken down to only {$900.00} left in the account. I only realize what was going on when I started receiving these packages. Not once did the bank call me or freeze the account. They just watched someone continue to run charge after charge all day long mainly on XX/XX/21. Charges were not small items. Charges were XXXX, XXXX and more. I want this incompetence looked into. I am just a small middle class mom of 2 trying to run my own candle business. Im appalled at the lack of action of M & T bank. It took me months to grow the amount in that account by working 16 hours a day for the pay several months, just to have someone drain it in 48 hrs. I have contacted the police and filed a police report and I have also contacted the FBI. Whoever did this is having all of these packages ( 38 of them ) delivered to my home. It has been advised to watch my home as we are not sure if someone is watching my house to collect these packages if they can. I cant even begin to explain the emotional stress this has caused let alone the bank is only giving me back at this time 13 of the 38 charges. I am looking into further legal action against this bank as well.

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 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I have continued to dispute this account with Equifax and XXXX XXXX. I have never lived at service address and have never requested service there. This is a cable bill that i did not authorize. Dispute confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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:
Equifax is reporting a state tax lien on my credit report. The item has be disputed and it came back verified. I have confirmation that this account has not been verified. I spoke directly to the lien source to dispute the reporting and they notified me that they DO NOT report to any credit reporting agencies via phone, email or fax. I need to know the source of this verified information. I need to see verifiable proof that the information that Equifax is reporting is 100 % accurate and 100 % verifiable. Unless, the credit bureaus have recently started conducted a title searches, which I know they have not. This account is not verified and per the FCRA needs to be deleted immediately. Please give this matter the attention it deserves. If this is not resolved immediately, I will pursue litigation in this matter to enforce my rights under the ( FCRA ) Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION

Complaint:
Truist bank offered a {$400.00} incentive to open a new account. I opened the account and scheduled a direct deposit of my SSN check. 
They closed account and kept my Social Security.

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 2017-08-15
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 checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. XXXX : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX, XXXX, XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX XXXX please remove fraudulent/ unauthorized closed account off my report or provide proof in writing 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 2020-03-11
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: BMW Financial Services NA, LLC

Complaint:
I already reached out to BMW FINANCIAL SERVICES and notify them of their error posting of information on my report. I requested for Method of Verification but they have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
In XXXX I went into the bank to withdraw {$1200.00} from my business account that had roughly {$1400.00}. I used my debit card with the teller, punched in my pin and he gave me the {$1200.00}. A few hours later the teller calls me and says that I need to return the {$1200.00} since a charge went through and he can no longer put the transaction through. I told him I couldn't bring it back since it was used. The teller called again and I explained again that I couldn't bring the {$1200.00} back. He took the money from my personal account without my permission along with the funds from a joint account that I hold with my husband who's XXXX check gets deposited in. When I saw what happened to the accounts I called the bank back and spoke with the teller and he pretty much called me a thief for him not doing his job. He took it upon himself to steal money from me and my husband to cover himself. I was forced to cancel a sick appointment since I did not have the funds to pay for it. It wasn't until the next day that the funds were returned to the correct account. I have spoken with the bank and I don't think they are taking it very seriously. I am not sure if this is even the correct way to go about it. I do need some help in trying to get this figured out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
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: EQUIFAX, INC.

Complaint:
I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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 check My credit. There is an Account That I did Not Authorize nor did I give anyone Consent to open Any account using my Personal information. 
This is Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation