hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
At the Beginning of XXXX XXXX the XXXX ) I noticed that there were fraudulent withdrawals being made from my XXXX debit card that I have with Bank of America. I called immediately and they told me that they were going to file a claim and that my card would no longer work but that I would receive a credit and would still have access to the account to be able to deposit and withdrawal money while I waited for a new card to be sent. After a week went by I saw that I was no longer able to sign in online to view my account and when I called I was told that since they are having a lot of fraudulent activity that they are just completely freezing any account with a claim and that they are investigating them in the order that they were received. I was also told to call back every few days to check the status of my account but even until today on XX/XX/XXXX, there has still been no update and it is still frozen. I wasn't until the 4th time I called that I was told that I have to fill out a form for XXXX to verify my identity and that once that was done I would have to call Bank of America back to request another form to be sent. I've called a few times each week and there is still no change to my account, they say I am supposed to receive a letter saying that my funds have been returned and that I can access the account but I have yet to receive any such letter. I called unemployment and they told me that if I filled out the form to verify my identity then I just have to wait until both entities finish there investigation and communicate with each other, meanwhile I still have to certify for benefits every two weeks and money is being deposited into an account that I can't access and I don't have any other means of income.

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

Complaint:
In despite of my previous written request the items I've found out today in my credit report still appeared but I had already disputted them. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report I want to delete them all in my 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

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 2021-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC

Complaint:
Jefferson Capital system sent me a letter saying I owe {$520.00} for a platinum MasterCard credit card. They refused to give me any other information from my phone call on XX/XX/21 other then it is a debt from XXXX XXXX. I have never had a credit card from XXXX  XXXX. They immediately offered me a settlement amount of {$260.00}, but I then requested prof of dept. the representative stated that they can not provide me with that information. I then contact XXXX XXXX who let me know that there was an account using my name and SSN was opened several years ago but with a different address. They told me since it was already sent to collections there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Equifax did not fix the problem and Equifax is reporting inaccurate information on my credit report. This XXXX XXXX  XXXX account is not mines and needs to be deleted of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.

Complaint:
Our state had national disaster. Homes flooded and some lost. 
I contacted my bank to let them know my XXXX payment would be late I paid it 12 days later on the XX/XX/XXXX. 

They reported my payment 31 to 59 days late on all reports.

I have included proof showing this info and proof of payment made and citi banks violating the fcra in regard to refusing to report accurately to my credit report. I would like the cfpb to fine them 3000 to me for the violation of this.

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 2022-07-15
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: ALLY FINANCIAL INC.

Complaint:
The enquiries on my report are not authorized by, dont have any knowledge of it and I did not give approval.

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 2023-04-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC

Complaint:
XXXX XXXX XXXXXXXX initiated contact with me attempting to collect a debt from phone number XXXX on XX/XX/XXXX. During the interaction I informed them that I was willing to settle the debt with them but to please call me back on XX/XX/XXXX when I get paid in order to discuss the terms of the agreement. The representative agreed and notated my account stating that I would not like to be contacted until XX/XX/XXXX. On XX/XX/XXXX, they contacted me again, to which I once again informed the rep that I would not like to be contacted until XX/XX/XXXX and that I would be happy to discuss settling the debt. From XX/XX/XXXX to XX/XX/XXXX they contacted me at least 4 more times and they began calling me 3 times a day. On XX/XX/XXXX, I escalated to a supervisor who was combative and rude who stated that they were unable to remove my number from their auto dialer system. After I informed her once again that I would be willing to settle the debt when I got paid on XX/XX/XXXX, she insisted on trying to get a payment from me so that they could post date it. When I refused to authorize any payment until XX/XX/XXXX she became rude and combative again and I requested to speak with her Manager. She claimed that the manager was busy and would not take the call and insisted once again that she collect a post dated payment from me. When I asked once again to not be contacted until the XXXXXXXX XXXX XXXXXXXX she became combative again and stated that they would not be able to pause collection calls until the XXXX XXXX XXXXXXXX and that she was going to report my account back to the client as an unable to settle. When I informed her that this was a false report, she became combative again which led me to refuse any further contact without first reporting this to the CFPB and obtaining a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Army and Air Force Exchange Service

Complaint:
Between XXXX and XXXX of XXXX  ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
CRA of 15USC ; 1681, SECTION 602A, states I have a right to privacy. Also, it states the credit reporting agencies can not furnish account data without my permission/consent.

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 2023-06-03
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  XXXX Balance : {$300000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
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 2023-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
We sent TransUnion dispute letters and they are not investigating them. They just sent stall emails ( attached below ) please investigate the dispute attached to this complaint do not send any more stall letters or emails.

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 2019-08-07
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: FIFTH THIRD FINANCIAL CORPORATION

Complaint:
fraud charge happened 6 weeks ago. still shows pending. now the utilization is showing up on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION

Complaint:
I sent the payoff to Toyota Financial Services over a month prior to the payoff amount date being due - they acknowledge they received payment over 2 weeks ago. They refuse to update the amount online. 

Payoff amount sent XX/XX/16 - claimed to be received by TFS on XXXX and now they are refusing to update the account. 

They are holding me XXXX. 

The amount was for XXXX est.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC

Complaint:
On XXXX of XXXX, I have XXXX XXXX, I keep the service 2 days, so I cancelled it due to XXXX XXXX  not having my desire channels. XXXX charged me for a month, I complained about them not honoring there 14 day policy of not paying if canceled within that time so they told me I didnt owe nothing. On XX/XX/XXXX I received a credit alert from the credit bureaus that a collection agency named SEQUIUM ASSET SOLUTIONS placed a collection amount of {$44.00} on my XXXX, XXXX and XXXX. I havent received any kind of correspondence, no mail or phone calls and it was just placed on my credit breaking laws pre the debt collection laws and Fair Credit Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX AUTO / {$0.00} / XX/XX/2019

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 2023-06-13
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: Experian Information Solutions Inc.

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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

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 2023-08-09
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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please delete these accounts 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 non-monetary relief
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC

Complaint:
On XX/XX/2019 I were accused of two charges from a Person who does not match my legal name, age or and other specific identifications. My driving record and any other record is clean. I have never been indicted for anything. I work for the XXXX as a XXXX  and XXXX. With a XXXX XXXX ( I will not be able to have if I were charged ). I put a dispute in with Corelogic. The management company for XXXX XXXX   located in Maryland.

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 2021-06-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revco Management, LLC

Complaint:
The caller attempted to collect a debt that was false. Saying it was from a utility company from 2019 ... i have no outstanding utility debt ... Not stating any further information about the debt, but what was owed. They got harassing and threatening and then hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
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: CITIBANK, N.A.

Complaint:
I was the victim of a bait and switch scam by a painting contractor ( increased the price of the signed contract by {$3500.00} ). I disputed the contract deposit amount paid with my credit card as I cancelled the contract when I was notified of the price increase and had to hire another contractor to do the job. The bank has continually delayed resolving the dispute, asking numerous times for information already supplied, changing the dispute reference number, falsely claiming that I agreed to pay the disputed amount and closing the dispute accordingly, refusing to provide timely written documentation of the status of the dispute and what they need from me in addition to all the documentation I've already sent. I have not been able to reach a supervisor at the bank with the authority to resolve the dispute, nor have I been able to speak with the same person twice in order to follow up.

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 2021-07-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since the XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I sent in a police report along with a dispute letter about the XXXX XXXX account thats reporting on my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services

Complaint:
My original complaint # XXXX, was closed today, XX/XX/2023, by Mercedes-Benz with explanation . The company 's explanation is insufficient and in dishonor. This matter is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation