hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.

Complaint:
I am a customer with XXXX. I have a checking account with them since XXXX. I use the online services. I have set up an external account with XXXX XXXX for ACH transfer into XXXX account within their online portal. I have made several external transfers in the past with no issues. I made an external transfer on the XXXX online portal for the amount of {$1000.00} from XXXX XXXX  into XXXX. This was done on XXXX. On XX/XX/XXXX - the fund of {$1000.00} was withdrawn from the XXXX account. These funds were taken from the XXXX account via an ACH from XXXX. These funds were never posted to the XXXX account. I have called XXXX 8 times. Each time they state that the middleman has the money. ( I later found out the middleman is the XXXX warehouse ). Supposably they reversed the transaction on XXXX to send the funds back to XXXX XXXX. For some reason they were unable to post the transaction. They told me to wait three days. When I called XXXX after the three days - they told me it is a XXXX XXXX issue. I have now called them 8 times. Each time it takes over a half hour to explain the situation. Once you get to the correct person, they tell you it is not a XXXX issue. It is an issue with the middleman and to call XXXX XXXX I then call XXXX XXXX and they are unable to do anything because they have released the funds to XXXX. 
It is now a over a month and the {$1000.00} is missing. XXXX is unwilling to do any type of fraud report. nor do they give any suggestions to resolve the issue. There must be some type of protection for the XXXX in this type of electronic transaction. 
There is a clear transaction history of the XXXX withdrawal on the XXXX account debited on XX/XX/XXXX for {$1000.00}. XXXX- once you get through the levels of the phone representatives are able to see the transaction. However- no one can tell where the money is nor are they willing to tell you how to get the funds. i am banging my head against a wall.

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 2020-03-13
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.

Complaint:
I had a payment plan in motion and up to date with Santander for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint:
I received my Tax return amended I've received its on XX/XX/2022 the check was issued on the XX/XX/2022 I made a checking account online with citi bank. They put my account on blocked and kept my funds. I've called for many days back to back stayed on hold for 3 hours plus just to hear them say call again tomorrow or we can't help you. It's the XX/XX/2022 and I haven't been able to get my money. I received email for my account saying they received my deposit but won't give me my money. The check was for XXXX they gave me the XXXX cents to my account but kept the 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 2019-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC

Complaint:
On XX/XX/19 a letter was sent out from Westlake Financial indicating I owe {$370.00} plus a {$95.00} late fee, Westlake has stated several times that my check was returned when I done even XXXX XXXX XXXX, I called on XX/XX/19 and Westlake customer service rep stated I owe {$600.00}. This company has lied regarding the amount due and owed for a year I paying on this loan. The letter states {$370.00} and I sent {$500.00} before the letter was mailed by XXXX. 

This interest only loan is deceptive and used to charge customers triple the value of a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jonathan C. Frank & Associates, LLC

Complaint:
I have received several calls back to back from the same company saying they are going to send me to court for debt. The calls started on XXXX XXXX, 2016. They left a threatening voicemail to send me to court. The next day, the same lady that was on the voicemail called me 4 times back to back and I answered and asked that she please leave a voicemail and stop calling me. She says " I 'm gon na keep calling you until you pay this debt! So hang up so I can continue calling. '' The only reason why I have n't received any more calls is because I blocked the number on my phone. I then called to speak to the supervisor and he was rude saying " Well if you answered and paid your debt, she would n't keep calling you. '' I then told him that harassment is against the law and his associate was harassing me. He said " Well since you wan na report me, I 'm gon na go ahead and send you to court. We do n't care about a harassment charge. You should just pay us. '' I then hung up and proceeded to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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:
Hello I am actually reaching out due to a account that was opened and is fraud with you guys. I have sent in supporting documents over three times now and still have no resolution. This needs to be corrected as soon as possible as it is affecting my living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION

Complaint:
I do n't know where this is coming from. I just got {$550.00} delinquent payment on my credit history.

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 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX XXXX  XXXX CARD with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The HIGH CREDIT is inconsistent across 2 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The LAST REPORTED is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that capital one is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The capital one accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for {$500.00}. I was offered by capital one during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute  with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of capital one. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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 filed numerous ftc reports for fraudulant account and addresses on my credit report and nobody will help me get this 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 non-monetary relief
Consumer complaint received 2021-04-10
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: Colony Brands, Inc.

Complaint:
Colony/Midnight XXXX  XXXX  ( XXXX XXXX XXXX XXXX, WI XXXX ) opened an account in my name for someone who fraudulently obtained my information on XX/XX/2015. Account charged off. {$990.00} written off. {$240.00} past due as of XXXX XXXX was never aware of this company before seeing derogatory information from them in my credit report. I have disputed this multiple times with XXXX  with no results. If this is my account I want to know what was ordered, and where it was shipped as it appears this card is specifically for online shopping stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX. I requested that both accounts acct # XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence of your license numbers and your registered agent ; XXXX ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. 
XXXX never produced any of the requested information above including any such contract with both my wet signature or theirs. 
The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character XXXX XXXX is in violation of multiple US Codes, Privacy Act of 1974 and FCRA. All XXXX accounts are to be removed from my credit report Per 15 USC 6802. XXXX has stated in their own privacy policy that I have the right to opt out of sharing to non-affiliate and they are not affiliated with any of the credit bureaus XXXX, XXXX XXXX, XXXX, Transunion, XXXX XXXX, XXXX XXXX XXXX etc.

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 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX, XXXX XXXX XX/XX/XXXX SYNCB/GOOGLE XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX CAP XXXX NA XX/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 explanation
Consumer complaint received 2022-08-17
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE.

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 2023-02-23
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:
Three Fraud Student Loan accounts and Inquiries appearing on my credit report appearing on my credit. 

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 2020-09-04
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:
I was the victim of identity theft, which resulted in some accounts being opened in my name by 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 2019-08-13
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: ARVEST BANK GROUP, INC.

Complaint:
Arvest bank is reporting an account on my credit that is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
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:
There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX  XXXX, and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance Corp.

Complaint:
On XX/XX/2018 I tried to refinance car again. The credit union denied my application again. She said the reason is the car XXXX more than it is worth. My credit is not good enough it need to be XXXX mine is XXXX. My ratio is XXXX meaning that they think that I wouldn't be able to make the monthly payments. I co-signed a car loan for my daughter and her credit is worst than mine. I was trying to see if they would approve it without her this time but it was still a no. We brought the car from XXXX XXXX they said that after 6 months to a year we could refinance the car with a credit union and build our credit up together. My daughter has not missed a payment and never a late payment. I didn't think that we would even be approved because my credit is a maybe and her credit is bad. We were financed through Exerter Finance. I called them and explained that the interest rate was too high could they lower it since were in good standing and never late. The interest rate is XXXX. They said go to a credit union, I said we tried that several times and XXXX XXXX said the same thing the car payoff amount is too much higher than the car is worth. Exerter said they don't refinance. Why is it legal for them to give us a Predatory Loan. How did we even get approved, if a person credit is not good enough to Refinance a car then they should not be approved for a car loan. I would like Exerter to lower the interest rate since we have proven that we can pay the car loan on time. Most of the money is going to the interest and not the principal. Can we sue them for Predatory Loan? What are our rights as a consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc

Complaint:
I contacted Hunter Warfield about at {$6100.00}. I was informed by Manager XXXX XXXX was due to an XXXX XXXX lived in XXXX XXXX in XXXX XXXX, Illinois. I do not know the accurate address. I informed him that the address was not on my credit report nor does an inquiry appear. I completed an identity theft form on identitytheft.gov. They could not validate the ownership of the debit but stated it would not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
I received a text message stating the following : Citizen : Your {$870.00} XXXX XXXX transaction is pending. Please respond YES to confirm your approval, or visit our branch or https : //xrl.today/rKIKv to reverse it. 
My Citizens bank account is now closed and has been for some time. Seems to me that they are fishing for information. The the URL was blocked by my virus protection.

Company response to consumer: Closed with explanation