hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-07-16
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:
On XX/XX/2021, I filed a disputes with XXXX, Equifax, and XXXX in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Prosper Marketplace, Inc.

Complaint:
I am receiving an email from this company called Prosper, which says my loan application has been rejected. But I have not applied for this loan at all. This might adversely affect my credit report. Or somebody is impersonating me. 

Copy of the email I received is provided below : On Tuesday, XX/XX/2021, XXXX XXXX  EST, XXXX XXXX wrote : Dear XXXX Thank you for visiting Prosper. More detailed information about why you are unable to obtain a loan through Prosper at this time is available in your Prosper mailbox. Sign in to read this message. 

Thank you, Prosper

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
I purchased the car in XX/XX/2020 first payment due in XXXX of 2020 However i never received any paperwork with an account number any way to make payment no statement book no monthly statement. I called several times and they could not find my account due to a clerical error in the social security number. I was finally able to get through to resolve the problem in XXXX after calling both the local offices in which they could not do anything as they could not do anything with car loans and the customer service number could not the account. The agent i spoke with in XXXX advise he would waive the XXXX late fees plural fees from my account due to not getting statements and not able to resolve this issue prior. The second late fee which was from XXXX was not waive. Now the company is saying they will not waive it even though their agent advise they would. I have spent many hours trying to resolve this and kinda feel now im owed more than the XXXX late fee to be waives as I make XXXX an hour and have spent hours in trying to get this back on track i pay every month and i pay more than what the amount is due. This fee resurfaces on my XXXX bill increasing my amount due. As i full understand it is just XXXX but for me it is principle of the matter that the agent advise they would waive the fees. I work for a bank and we would waive the fee due to our agent providing misleading information to the cardholder or customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber

Complaint:
My complaints is not just about the 30 day " notice '' letter. Which I never received about this debt. The only reason I know about this is because I received an alert from my credit monitoring service. I have been working on my credit and it is looking great until this happened. 
Real quickly, my monitoring service just posted a collection from Grant & Weber account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. As stated above I never received a phone call nor any letters from this company. 

Additionally, it shows as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. 

The issue is now I have 2 negative items that are effecting my debt to credit ratio twice for the same debt. My understanding is that is either an FCRA volition or an FDCPA violation or both. You can't have the same debt count against you twice. Not to mention both companies are reporting different amounts and I have no idea if any dates are correct but likely that is wrong too. 

Since the collection agency, out of XXXX XXXX, I am in Texas, has never contacted me or allowed me 30 days to dispute the debt or settle the debt. Both accounts seem to be hitting my debt to credit ratio twice and who knows what is right or wrong. I am requesting it be removed from my credit report or the burden should be on both companies to sort this out and to send me correct information. I believe the collection agency should not even be allowed to collect on my credit report at all however.

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 2022-10-12
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTIONS USA, INC.

Complaint:
I had given a 60 day notice to vacate my apartment in XX/XX/2013 from XXXX XXXX XXXX in XXXX, AZ. Since we had purchased our first home and closed escrow on XX/XX/2013. On the written 60 day notice we had given the property manager for XXXX XXXX XXXX the dates were blacked out. Then advised they did not receive sufficient time to vacate the property and were going to be charged an amount of over {$5000.00} to move out plus rent for XXXX. We decided to take this to court. On XX/XX/2013 we appeared in court with the property manager. The XXXX ordered XX/XX/13 XXXX for the agreed eviction/surrender move out expenses of the apartment for the amount of {$2000.00}. We moved out of the apartment and paid the amount in full. Received an additional moved out statement for XXXX. Charging and additional termination fee of {$1900.00} and concession repayment of {$1400.00} on top of the agreed amount. Contacted the property manager for XXXX XXXX XXXX, they advised charges were correct. Contacted their attorney, refused to discuss the judgment unless we were in court. The charges could not be explained or justified, even though we complied with the 60 day vacate notice, which was also blacked out. We also never received a vacate pay or quit notice. We had paid our debt in full and do not owe any debt to XXXX XXXX XXXX or Collection USA company. An amount of {$2900.00} was sold to Collection USA company and still trying to collect this not agreed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.

Complaint:
On XX/XX/XXXX I received a call from Santander I had a conversation with the representative and she said if I paid on that day {$400.00} that they wouldnt repossess the car for the entire month of XXXX and I explain to them that Im selling my home in XXXX and I would be able to pay off the car in XXXX. On XX/XX/XXXX they repossessed the car when I called try to get them to work with me if they refuse to work with me anymore after the car was repossessed and they even acknowledged that they saw the note saying that they wouldnt repossessed the car in XXXX but they did it anyways I had a verbal agreement they admitted that they had a verbal agreement and broke the verbal agreement anyways I would like our car back I would like back pay for the rental cars weve had to get it also has cost us to not be able to close on our house as soon as you want to because we couldnt get to the bank to sign paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 non-monetary relief
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX have been reporting a card that was not open by me on my report I have removed them all off all other reports except transunion they removed once an than put it back XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$1900.00} 79 % of Credit Limit* Item Results Result : Deleted - TransUnion has deleted the account or record from your TransUnion credit report. 

Dispute Reasons Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data. 
The creditor agreed to remove this account from my file. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report.

Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion XXXX. XXXX XXXX XXXX, CA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays

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 2023-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION

Complaint:
I opened a personal checking account thru their online process on XXXX XX/XX/2023 with an initial deposit of {$50.00} paid from my debit card. Two days later I couldn't login to online banking anymore. Upon reaching out to customer care I learnt that my account was frozen and I would have to go into a branch for identity verification. I explained that this wouldn't be possible as they don't have a branch in XXXXXXXX XXXX where I live and the nearest branch is a 2 hour drive away. After multiple calls and me trying to get the identity verification done virtually yielded no results, I asked that the account be closed and my initial deposit be returned. It's been almost three months and my {$50.00} deposit has not been returned. I have confirmation from XXXX  XXXX XXXX that it was paid, and even Truist customer service reps acknowledged that there is a {$50.00} balance on the account and they said i should receive a check at the mailing address i provided, but that still hasn't happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29
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: Santander Consumer USA Holdings Inc.

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)

Complaint:
It all started with XXXX who kept saying I owed {$2900.00}. They would call Example XXXX then my cell phone number. I would call XXXX and they stated they had no Idea what i was talking about I was in good standing and also left to XXXX and was able to port my number XXXX XXXX XXXX. I transfered 3 numbers to XXXX XXXX. My wife stayed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She stayed because she still had a year left on her contract. One day some called no name given but this time they called me around XXXX XXXX   and I was told they have been trying to collect {$3000.00} debit. They even said they were going to have me arrested. When I said come to the station I am working ( i am XXXX XXXX ), they hung up. I called XXXX   they put me on hold and they called the number they said for that person to get rid of the debit they needed my Entire Name, My DOB, MySS #, My current address. When XXXX identified themselves they hung up. They added all the notes to account. Then she sent to XXXX Fraud Dept. They Investigated and did admit it was Fraud. they sent me a letter. Some how the it took three months and they sent me to collections. When I called and was on the Phone for 6 hrs that day the collection agency said that This Matter was already resolved XXXX XXXX. They even tho they knew it was fraud they left it on all three credit agencies and No one has taken it off. I went from an XXXX to XXXX on two of the three and XXXX has me at XXXX. I signed up with Identity Guard Family Plan ... .. I Am in the process of of getting a SBA loan and have a Lease that is going ending XX/XX/XXXX and am going to get another My world has been turned upside down and dont know what else to do I contacted all 3 Credit Agency 's and Some one tried to open another Cell this time with XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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: PNC Bank N.A.

Complaint:
THE LAST TIME I WENT AND CHECKED MY ACCOUNT IT HAD {$2600.00} THEN AFTER I GOT OUT OF THE HOSPITAL IT SHOWED {$240.00}. SOMEONE STOLE MY MONEY AND YET YOU ARE TELLING ME THEY DIDN'T. 

I'M SITTING HERE CRYING AND PRAYING JUST NOT IN A GOOD PLACE RIGHT NOW HEALTH WISE. I'M AT A LOSS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SO SICK THAT I HAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND GOING THROUGH XXXX OF SOMEONE STEALING MY MONEY. ANYTHING FROM XXXX/XXXX/2021 TO NOW WASN'T DONE NOR WAS IT AUTHORIZED BY ME. I DON'T HAVE THE CARD, CAN'T GET INTO MY ACCOUNT AND CAN'T GET ANOTHER CARD FROM PNC XXXX. I HAVE TRIED BETTER BUSINESS BUREAU WHICH PNC BANK NEVER RESPONDED BACK TO THEM AND I HAVE BETTER BUSINESS BUREAU STATEMENT SAYING THIS. RIGHT HERE AT XXXX TIME I'VE BEEN FIGHTING THIS SINCE XXXX.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-12-05
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 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

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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch

Complaint:
After checking my consumer credit report from XXXX, I found a collections account from Professional Bureau of Collections with an account XXXX XXXX XXXXXXXX opened on XX/XX/22 with a balance of {$300.00}. I've never done business with Professional Bureau of Collections therefore, could not be liable for this debt. This alleged debt is not mine as I never entered into a signed agreement or completed an original contract with Professional Bureau of Collections. I never provided any written consent or permissible purpose for this alleged creditor Professional Bureau of Collections to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, of consumer reports. ( 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 PROVIDED WRITTEN PERMISSION OR ANY CONSENT to pull my consumer report. This is a violation and also constitutes as identity theft - " 15 U.S. Code 1681c2 - Block of information resulting from identity theft. '' Furthermore, this company has been attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 U.S. Code 1692e that you are implementing yourself. 15 U.S. Code 1692e states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, the XXXX, XXXX, and TransUnion Credit Bureaus have not responded nor answered to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe these are reporting in error. 
XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance XXXX : {$6400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; and XXXX XXXX XXXX Balance Owed : {$0.00}

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