hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA

Complaint:
The information that is being reported on my student loan is accurate and I am not able to make payments or set up payment arrangement because my birthday is listed wrong. I have been denied a mortgage loan because of this delinquent showing. I have faxed and scanned copies of my social security card and drivers license because they said that was the only way to change it, but no change has taken place. I can not even set up an online account to make payments because it gets kicked back every time I get to the personal information part to enter my birthdate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
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: EQUIFAX, INC.

Complaint:
I never established credit ever. I never applied for any credit my whole life. started to learn about credit 6 months ago. I made a XXXX XXXX and see someone has been using my identity years ago for credit cards. I didn't give anyone access to my personal information. Below are the accounts. 


XXXX ) XXXX  XXXX XXXX- opened- XX/XX/XXXX ( 6 yrs, 4 mos ) amount {$0.00} 2 ) XXXX XXXX- opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount {$280.00} 3 ) XXXX XXXX -opened- XX/XX/XXXX ( 7 mos ) amount {$550.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Braviant Holdings, LLC

Complaint:
On yesterday XX/XX/20 Ive received a phone call from XXXX the rep did not state her name nor where she was calling from. The lady verified the last 4 of my ssn and stated that she was calling from Balance loan. I attempted to explain that I can not pay back the debt due to my being laid off due to covid. I informed the rep that I have limited income of {$130.00} per week and that not enough to pay anything. The lady then began to questioned me about a vehicle that is listed in my name and started to threaten me talking about collateral. When I asked the name of the company she would not state the info nor her name. She also threatened me to say that the docket was on her desk to have me prosecuted.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-10-07
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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX  XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX/XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$520.00}

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
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.

Complaint:
On XX/XX/2020 I noticed a transaction for {$290.00} from XXXX XXXX was pending in my citibank checking account that was initiated on XX/XX/XXXX. I did not recognize the charge and when I contacted Citibank on XX/XX/2020 they told me I would need to wait until the transaction cleared before I could file a dispute in the meantime they did close my debit card. XX/XX/XXXX the transactions for {$290.00} posted to my account I filed a dispute immediately and was told that I would receive a temporary Credit in 10 days if they had not come to a resolution. About three weeks later I still did not receive any provisional credit upon contacting Citibank they told me that I need to file a new dispute that this one was overlooked so I filed another dispute for the {$290.00} again I waited about 30 days with no response or provisional credit I contacted Citibank again just XX/XX/XXXX was told that I needed submit the dispute in writing which I did by fax and email. At this point my Citibank account had gone into the negatives they've accrued numerous fees because transaction in CitiBank closed my account with out warning because of a negative balance. The negative balance was due to service fees and I refuse to deposit money into an account until I received a response from my dispute I filed 3 times

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 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
So for the past 8 months I have been trying to get a charge off removed from my Equifax credit report. This charge off isnt mine, but Equifax has it as my old XXXX XXXX account. When I did further research I found that this account was clearly paid in full and then later closed the account. I've given Equifax the letter from XXXX XXXX XXXX showing account paid in full but they still refuse to remove it. I do have an attorney involved and will pursue a lawsuit if this matter isn't resolved. I want this charge off removed immediately. It has hindered me in attempts to get a business loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.

Complaint:
In XXXX of XXXX  I inquired about a payoff with Ally Financial for a XXXX XXXX, which was purchased during my marriage. At the time, I wrote the bank a check for the stated payoff amount, was assured that the account was satisfied and the title transferred. 

Months later, a {$1300.00} balance appeared on the account and continues to bog my credit report. I transacted the final balance and in good faith, with the information that was provided to me by the creditor. I have made multiple attempts to dispute the charges through various credit repair apps, and have always been rejected. 

Furthermore, the debt has been " written off '' from their perspective. While this is not an admission of their guilt, it certainly speaks to a lack of desire to collect the balance.It was not written off until I began to dispute the charges via XXXX XXXX. I believe the write off was a decision to get their mistake off of THEIR books, while continuing to bog down my credit report. 

I maintain that I do NOT owe Ally Financial for this balance. I believe, but can not prove due to a lack of transparency by the company, that there was a processing DELAY that that was THEIR RESPOSIBILTY, and that they are unjustly and potentially illegally damaging my credit status.

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 2020-03-01
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: Experian Information Solutions Inc.

Complaint:
I noticed erroneous information reporting on XX/XX/2019. I have contacted the bureaus to dispute as well as requested verifiable information that I was the owner of this debt. I have proof of deletion from my XXXX  credit report. This information is not reporting properly across the 3 bureaus which is negatively impacting my score. Please assist with prompt deletion

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 2022-04-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint:
I opened a business checking account for my small business 20 years ago with Wells Fargo. For some reason at the time they required me to open a business savings account in addition to the checking. I haven't used the savings account in all this time, but I recently closed my checking account. Today I got the statement for the savings account which reminded me I needed to close it too. I tried to do so at a Wells Fargo branch. The teller said I wasn't authorized to close it, as did the banker. They said I was listed as an " employee '' on the account instead of the owner. I told them I've always been a sole proprietor and never had any employees. They said it was an error in their system. I asked them to fix the error and allow me to close the account immediately. They refused, saying they had to investigate their error before allowing me to close the account. I asked them to use the same criteria that allowed me to recently close my checking account to close the savings account ( since the accounts were linked ). They refused. First they forced me to open an account I didn't need, now they won't let me close it. Shameful business practices from a notoriously shameful company.

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 2023-07-20
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. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 non-monetary relief
Consumer complaint received 2022-10-07
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:
XXXX, XXXX and equifax are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of XXXX  bill XXXX XXXX XXXX. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.

Complaint:
Southwest credit XXXX XXXX XXXX Ste XXXX XXXX, TX XXXX XXXX credit calls multiple times back to back from multiple different numbers, disguising as random numbers to my cell phone AND work phone. I can not get anything done based on the multiple calls back to back. This has happened for the last three weeks straight every day. I have asked him to stop calling me. This is causing me stress and harm and risking losing my job because of the multiple back to back calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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: TD BANK US HOLDING COMPANY

Complaint:
I am a victim of identity theft. The some information listed on my credit report does not relate to the request I have made on my behalf so those items should be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
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:
Ive sent dispute letter for items on my credit report XX/XX/20. I still have not received investigation results. The debt that is trying to collect are not mine. I demand items to be removed immediately

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I am very disappointed! REMOVE THIS FRAUD ACCOUNT ASAP!

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 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint:
I am the XXXX XXXX-in-fact under a Power of Attorney that Citi 's Office of the President accepted. When I received instructions on sending the POA into Citi, I was informed that I should call back to receive online account access to the credit card account, thus enabling me to watch, oversee and manage the account, as necessary. Indeed, it is necessary because the principal has XXXX and lives 150 miles away from me. I need the ability to monitor spending and payments and, if it becomes necessary, to lower her limit or close the account. 

My name and status as POA was put on the principal 's credit card account ( s ), as requested some time in late XX/XX/2018. However, Citi will not let me have online access when I tried to obtain it today, XX/XX/18. The POA grants me full authority over the account. By its terms, I can close, open, modify the accounts of the principal. Indeed, Citi acknowledges that I can request a decrease on the limit and that I can close the account.

What I CAN NOT do, according to Citi, is get online access to the account activity and maintenance features because - wait for it - I don't have the 3 digit security code on the back of the physical card. I can't get that for a few reasons, not least of which is b/c the principal is XXXX miles away, and b/c she is constantly losing her cards bc - wait for it again - she has XXXX. 

So, I go to all of the effort to write to the Office of the President, spend hours on the phone today getting authenticated in the worst process you can imagine, and try to get online access, and even though I have all legal rights to conduct business relative to the account, Citi won't let me have online access. I was told twice that, " oh, the principal account holder needs to give you access to online account information. We can't let you have online account access without the principal letting you. '' Are you XXXX  kidding me? This is contrary to the intent and authority of the POA. 
It defeats the purpose of the POA. Further, Citi would rather that I use the POA to close the account than give me online oversight of her usage? How is this legal?

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 2020-04-19
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:
These are not my accounts, nor did I authorize these inquiries to be pulled from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Starting XXXX XXXX I sent from XXXX to the IRS to take fiduciary over myself, but no response. I also sent it to the IRS on XXXX XXXX and there was no reponse. I then went to send my power of attorney paperwork in to the dealership and the finance company and there was no response from them as well. So on XXXX XXXX i sent a notice of rescission to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial institution, the consumer financial protection bureau, federal trade commission, and the Illinois attorney with no response at all regarding my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: NRA Group, LLC

Complaint:
I am distressed that you have included NTL RECOVERY AGENCY information in my credit profile on XX/XX/XXXX & XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

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 original signed 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 respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and 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 2019-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX XXXX is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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