hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION

Complaint:
I received a letter stating that it was in reference to a telephone conversation with a representative that did not occur with me. The letter states " Consumer loan information continues to appear on line for approximately 90 days from payoff date of the loan. A loan will also appear on your monthly lending bills until it is automatically purged from their system. At this time, we do not have a tentative date as to when the next purge will occur. '' Signed Sincerely, XXXX XXXX XXXX Navy Federal Credit Union I have no idea why I received this letter. I have no loans with this organization and have not had any type of loans for over XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am complaining about this item called XXXX that I see online is an auto finance company that needs to be removed immediately. Please delete this misleading information in order to show my true 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 non-monetary relief
Consumer complaint received 2021-09-01
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.

Complaint:
I was an authorized user on my wifes two Citi credit cards, and I was removed as an authorized user in XXXX and was told it would be removed from my credit report when the next statement closed. It was not, so we placed another call to Citi who advised a dispute should be open with the credit report agencies. Submitted dispute, and Citi certified to XXXX  the information reported was correct. Confirmed with Citi that I am no longer an authorized user. Citi advised I would have to write their dispute department and provide the full account numbers which I do not have to write this letter as Citi would not provide this information.

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 2018-05-11
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: CITIBANK, N.A.

Complaint:
This problem is with my XXXX report hand the way the agency has handled my dispute, I noticed two fraudulent account on my report back in XX/XX/XXXX, After inquiring around I was told how to tackle this issue I reached out to XXXX and ask them to provide me facts that this account is accurate and to provide me proof and method of verification, however all they did was send me back a report saying that it was verified no insight, Ive contacted the two creditors who have failed to corporate because they have sold the account so they are not investigating and XXXX is not demanding that these two creditors supply detailed information to me, I them reached out to FTC and they told me that I need to fill out the IDENTITY THEFT REPORT which is the same as a police report and send it to XXXX and they must delete the fraudulent accounts in 5 buisness days, XXXX have ignored this order and continue to report these unauthorized accounts, they have never done any true investigation, Im asking that the CFPB look more into XXXX  and see to it that they are following the fair credit reporting act, which clearly state that they must go beyond the original source of the information to prove accuracy, its also the reporting agency job to make sure the account is correct and they also have the authority to remove the files if they are not accurate in findings and if you find its accurate supply the information to the consumer ... XXXX have done none of the following, the accounts are listed below ... also XXXX continues to make updates every time i dispute like removing a late payment or two then next dispute adding a late payment and they are doing this and then sending me a verified and say they updated the account, but why u keep making changes? And then reversing changes no investigation is being done and the account is to be delete as they are not mines ACCOUNT : XXXX/CBNA ACCOUNT : 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 2022-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Someone tried to open a bank account using my information such as my name and ssn. I called the bank and got the account closed.

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 2020-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
Called on XX/XX/2020 to see why my XXXX deposit was placed on a 5 business day hold. This was money from my in-laws that have plenty of it. Why am I being treated like a criminal and not given access to my money on XX/XX/2020. Dispite telling them this i can't get approved to use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is a follow-up to my previous complaint in which I urgently requested the removal of fraudulent accounts and associated information that the Credit Reporting Agencies have been erroneously reporting on my Credit File. I am aware that, according to the Fair Credit Reporting Act section 605b, the Credit Bureaus are legally obligated to expunge any and all accounts and information resulting from fraudulent activities. I implore you to assist me in promptly eliminating the following items from my Credit File : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is imperative to emphasize that these items are entirely unfamiliar to me and should never have been included in my Credit File. If the Credit Reporting Agencies contend that these disputed items legitimately belong to me and that they possess the legal rights to report them on my Credit File, I demand that the Credit Bureaus provide me with copies of the documents they have purportedly discovered to substantiate these claims. In the absence of such documentation, I expect nothing less than the immediate removal of the disputed items.

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 2019-05-30
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: EQUIFAX, INC.

Complaint:
Dispute 14 inquires on equifax. Only 2 remove. All should be removed as they are not mines. Tired of the runaround with equifax about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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:
I am no longer disputing XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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 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 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.

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 2023-04-13
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: EQUIFAX, INC.

Complaint:
Was a victim of identity theft and have submitted the documents to have the items removed to the following credit reporting agencies, Equifax, XXXX and XXXX. An auto loan was obtained from XXXX XXXX. A credit card was obtained from XXXX which is the Military Star Card, I was never in the military or affiliated with the military. 
An account was established with XXXX XXXX. Several payday loans were taken out from a company named XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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: JPMORGAN CHASE & CO.

Complaint:
I order a 5 in 1 machine on XX/XX/21 for XXXX. I was sent a 3 in one machine that was clearly used for XXXX. I paid my money to send it back. The merchant said I would get a refund. I tried to send supporting documents to chase for my dispute. Chase claims that they did not receive my supporting documents after I faxed and mailed it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint:
Every time I tried to use my card it would be declined, then I would have to call the bank and they would say they thought it was fraud. Then also the returned every check I wrote due to insufficient funds, when there was money in my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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: CITIBANK, N.A.

Complaint:
I am the primary card holder of a Citibank Double Cash credit card which was opened in XXXX of 2018 with one additional authorized user. On XX/XX/2018, I called Citibank to remove this authorized user and get a new number. I was issued a new number and the other user no longer had access to the account. On XX/XX/2018, the previously authorized ( now unauthorized ) user provided the old/original credit card number to the gas company ( XXXX XXXX ) and set up an autopay which charged my credit card on 7 different occasions ( for a total of {$560.00} ). 

Citibank first denied my claim for fraud/unauthorized use because according to them if I have ever had interactions with this merchant in the past ( even on a different property ) then they automatically deny the claim of fraud. I was not contacted but rather just sent a letter saying my claim was denied. I called back and they re-opened the investigation. Citibank ( apparently ) contacted the merchant who had 45 days to respond. The merchant indicated they had been provided with a number which was cleanly processed by Citibank so there was nothing they could do. 

My name is not on the XXXX XXXX XXXX account. The now unauthorized user is the only user on the gas account. I am the only user on the credit card. It would be impossible for me to pay this account with my credit card as I don't even have the XXXX XXXX account number ( and they won't give it to me ). Citibank should not have let him provide the old credit card number and it process through for 7 months. 

I called Citibank a third time and they said they have no record of my original number in their files and they would have it even if I had closed the account 10 years ago and that it was my fault for not getting a new number when I removed the unauthorized user. I have monthly statements that have the original number on them and then the new number appears on the XX/XX/2018 statement. I have offered to provide them with the statements that have the original number on them and show that I got a new number in XX/XX/2018 and they declined for me to submit that evidence. They also indicated that perhaps I wasn't clear about the unauthorized user being removed. I asked for them to provide the transcript from my phone call on XX/XX/2018 and they would only provide a transcript with a legal subpoena. 

I have now been continuously re-opening my case for over 2 months because they keep closing it without understanding the facts. I did everything I was supposed to do - I called, removed the user and got a new card number. What else would be required for me to prevent unauthorized use of my card going forward?

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 2022-11-12
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY

Complaint:
TD Retail Card Services XXXX XXXX XXXX XXXX SC XXXX Credit Card opened by someone else with my credit information in fraud and now they are changing my address. I am concerned about timely resolution. 

I was notified by my company 's Fraud Protection Agency. I contacted TD Credit Card Services and was told there was no account open in my name or social security number on XX/XX/2023. 

I put a freeze on my credit through 3 credit bureau reporting agencies to stop future issues. 

I received 2 letters stating that I had requested an address change on XX/XX/2023 from TD Retail Card Services. I tried to call and customer service was helpful and told me to call a different number for Retail Card Services. She explained there are different types of cards issued by this company. I tried to call them and they are only open Monday - Friday XXXX - XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
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:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC.

Complaint:
The problem continues to exist after repeated attempts to explain I make the payment in the store and it is never recorded until several days later. Almost every time, the collections are calling when the payment has already been made. Then they try to explain that it does not update right away. We are requesting XXXX XXXX jewelry to stop reporting late payments and remove the 30 day late and acknowledge there is a delay in payment being processed!!! I further request proof of being late thirty days. I always make my payments in store several days after the XXXX of the month, but never 30 days after!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA

Complaint:
Through First National Banks own XXXX Banking XXXX, I initiated a transfer for the balance in my checking account to another financial institution. First National Bank tacked on a XXXX cent fee. This fee was either not disclosed or disclosed in a manor that was not easily seen. 

The result of this fee being added on First National Bank caused an overdraft of XXXX cents in my account. Then they charged me an overdraft fee of {$37.00}. That's an astronomical fee of 1,355 % My issues are : 1. The transfer was processed through First National Bank and when I processed the transfer it should not have allowed me to do so since I would not have had enough money to make the transfer. 
2. Being charged an overdraft fee caused by a bank fee seems way out of bounds. 

I tried to get a refund from the bank but they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ADIR INTERNATIONAL LLC

Complaint:
XXXX XXXX was notified by phone app ( XXXX ) that a hard inquiry had been processed by XXXX Purchase was completed XX/XX/XXXX. Tried call the finance company ( Curaao Finance, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX ). No message could be left as to phone was disconnected. Tried for 2mo. To remove via Credit bureaus, filed Police report with XXXX XXXX Police Dept. ( # XXXX XXXX somehow they managed to change reported address while applying for credit. Now it is XXXX and am in contact which Curaao Fraud Dept. via mail because I still can not seem to speak to a representative??? For the record I have lived in XXXX California my entire life and at my current address since XXXX. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
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:
There are three accounts on my credit report that are not mine I have reached out to the bureaus regarding this but have received nothing back I need these gone from my account they are not mine I have not signed for them and have not used these. 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX/XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account

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