hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2023 i submitted a request to dispute an account that is assumed to be identity theft. Transunion didn't honor my request to block the account. I subsequently placed a Fraud Alert on my credit profile as i continue to pursue further avenues to get these fraudulent accounts removed from my report. I recently received a letter from Transunion on XX/XX/2023 in the form of an unsealed postcard, confirming my action to place a fraud alert on my account. This postcard received was not in a sealed envelope, infact it was simply a postcard with all my information pertaining to the fraud alert, it even included the file number for my account. This postcard which isnt sealed reveals all my private information and actions pertaing to my credit file to whomever handles the mail, including the mail carriers and whoever elses hands it has touched. I called transunion to explain my frustration with allowing my private credit profile information to be revealed, which was ironic because the reason for the fraud alert was due to my private information being leaked on the dark web. The supervisors agreed with me that this was a huge mistake on behalf of Transunion. The supervisor also agreed that this letter is usually in a envelope where no outside party or person can see the information about my report. I'm so upset with Transunion for this mistake and am looking into further litigation on my behalf. I find this to be a breach of confidentiality and handling of my personal information. it's unacceptable. The risk of exposing my information to multiple mail handlers and carriers further adds to my frustration and vulnerability during these increased fraudalent times. I would like action taken against Transunion effective immediately!

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 2023-01-24
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and associates, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc.

Complaint:
Improper uses of my Credit files Inquiries XXXXXXXX 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 2017-12-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BB&T CORPORATION

Complaint:
On XXXX XXXX, XXXX, 6 days after totaling my XXXX XXXX XXXX, I went to XXXX XXXX to buy a vehicle. I met with XXXX XXXX who was my salesman, although XXXX XXXX XXXX is listed as the salesman on the contract. I explained to XXXX about the accident and that I did not have GAP Insurance on the totaled XXXX and showed him the amount that XXXX had paid on the XXXX, the check of which was issued XXXX/XXXX/XXXX. I showed him the latest bill that I had which showed a payoff of {$13000.00} on the XXXX, having been financed through XXXX XXXX XXXX. XXXX paid a total of {$6600.00}, leaving a remaining balance of {$7000.00} owed on the XXXX. He let me test drive a XXXX, but wanted me to come in the following day, at which time he had me test drive a XXXX XXXX XXXX, which had a large rebate on it, which he said would be used as payoff on the XXXX, together with my {$2200.00} down payment. There was never any question about the financing and the XXXX payoff. They said they called XXXX to get the 20-day payoff and commenced to work up the financing. I signed it all that day, but they called for me to come in the following morning to re-do the signing as the final contract. I understand that XXXX was fired. I have called repeatedly in the first few months afterward to find out why the payoff had not been received by regional. Most of the calls were met with either promising to call back, ( with never a callback ) or not answering until the receptionist finally gave me XXXX XXXX 's cell number, ( XXXX ) XXXX. He is the General Manager. When I told him that my payoff had not been paid, he said, " Oh I 'm gon na fire every one of them '', then said that he would have XXXX call me. She did n't. I called him again ; he said let me call you right back. He did n't. I called him again, ; he put me on hold, then said that the check had already been issued, and gave me the check number and the amount. I contacted XXXX with this information, and they were kind enough to put ( 2 ) payments to the back so that my credit would not be affected. No check came after several weeks and XXXX conversations. I remember it being odd that XXXX XXXX had called to verify the loan and when I told her about the pay-off of the XXXX being financed into the new loan, she said " they told you that ''?. I said yes, and it was true. I went over to XXXX around XXXX XXXX to get my tag and while I was there, talked to XXXX the Salesman, who went upstairs and talked to XXXX. He came back down and said it 's all taken care of ... .XXXX is writing a check as we speak. I was so happy! But still no payoff to date. Thursday, XXXX XXXX, XXXX I called and left a voicemail for the Finance Manager to call me. Today is Monday and no call. I now have an amount due of {$1400.00}, including late charges. I ca n't make these payments plus those on the XXXX, and late payments are showing up on my credit report. I was recently denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act ( Account, 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 explanation
Consumer complaint received 2021-03-10
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: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Y XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$820.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account XXXX XXXX {$850.00} Date XXXX Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
In XXXX, my husband and I started a debt reduction program to regain control of our finances. Around XXXX XXXX, XXXX our XXXX XXXX credit card debt, in the amount of {$11000.00} was purchased by Portfolio Recovery Associates and placed with an outside collection office, representing themselves as an attorneys office and threatening legal action. This attorney was XXXX XXXX XXXX located in XXXX, Texas. The rep handling our account was XXXX XXXX. In XXXX XXXX, we were able to settle with this office for the reduced amount of {$4600.00}. We started to receive threatening calls and mail from Portfolio Recovery Associates in XXXX. We wrote to the credit bureaus disputing this collection and reports to our credit. We also attempted to speak with Portfolio Recovery Associates without luck. The " attorney '' who originally handled the collection has since filed for bankruptcy after some pretty shady practices and I ca n't find an active number for him. Portfolio Recovery Associates is attempting to collect the remaining balance of {$7400.00}, even though a settlement was reached and paid. We have no idea what to do at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc

Complaint:
I received a credit card from Chime that I had not applied for. It was mailed to my name and address on XX/XX/23.

Company response to consumer: In progress
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.

Complaint:
I owed some money to XXXX back in 2017. They sent my account to a collection agency ( XXXX XXXX ). The latter contacted me and I paid them and the cases was settled and closed. After two years, EOS CCA ( another collection agency ) reported to XXXX that I owed them {$59.00}. I explained to them that I paid XXXX XXXX and the case was settled and closed but in vain. This company has been doing to a lot of people as I read online. I have a bank statement showing I paid XXXX XXXX. By the way this company is out of business as I checked online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc

Complaint:
I received this companies " proof of Debt '' they are right it is NOT a XXXX - it is XXXX.. STILL NOT MY DEBT! I stated that this is not mine. This debtor needs to contact XXXX XXXX XXXX. The dates are included with a legal case. All original creditors have been contact. further collection is a violation - if you continue, I would be happy to hold you responsible for damages I would be entitled from you to under the law. 

Or you could contact this law firm ask for XXXX ... a paralegal that I know would be happy to set you straight By the way I also mail you the information!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.

Complaint:
I have received 4 phone calls ( XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, andXX/XX/XXXX at XXXX XXXX ) from XXXX XXXX XXXX. The firs three calls I did not answer and they left 2 voicemails stating who their company name and that they were a debt collector. The same person left the voicemails each time. I answered the call on XX/XX/XXXX. The person asked for me by one of my names, told me he was a debt collector, and said that I owed citibank/mastercard around {$20000.00}. I have no debts with citibank and I 've never had a debt remotely close to that amount in the 10 active years I 've used them for credit. This immediately raised a red flag for me. I informed the person on the call that I did n't have a debt and that I believed they were scamming people and I hung up the phone. I then called citibank to inform them that this company was gathering money fradulently on their behalf. Citibank said they would forward the information to their security department.

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 2021-12-26
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:
On XX/XX/2021 a transaction from XXXX hit my card for the amount of {$3200.00}. I did not authorize or make the transaction. I logged into the Citi website and marked the transaction as fraud. Later I logged in and noticed the dispute button was still there so I hit the dispute button again. The dispute then showed up on the Citi website as a canceled transaction dispute so I called Citi a couple of times and validated a couple times that they have it marked as fraud and I was told it was noted on my account that it is fraud. I re-emphasized that I did not do the transaction. Citi has now marked the dispute as resolved and said I owe the money because of the terms and conditions for XXXX. I did not agree to any terms and conditions because I didn't purchase anything. On XX/XX/XXXX I was sent a message they are still looking into an unauthorized transaction on my account and then on XX/XX/XXXX they close it and say I owe it because of terms and conditions. See attached document labeled Investigation Update for the letter showing they knew I reported it as unauthorized. See the document labeled Investigation closed where they reference terms and conditions I didn't sign. And finally there is a document labeled chargeback request that is attached. In that document it shows that the booking was for XXXX. I did not book anything to go to XXXX. It also has the name, email address and phone number of the person that booked and accepted the terms and conditions. That person is not me. It is not hard to see that the name in the charge back request document and the name on my credit card are completely different as well as the email and phone number. I feel like Citi has broken laws by not refunding me for the fraudulent charges. I feel like they also have broken laws with marketing which lists on their website that I am 0 % liable for fraudulent charges. Citi did not perform due diligence on my report of fraud on my card. I am not going to play the back and forth game with them this needs to be resolved now.

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 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 non-monetary relief
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.

Complaint:
I received a robo-dialed call about a " legal matter ''. I called back. The representative said my full social security number over the phone and would not tell me who she was until I confirmed who was calling and why. She refused and said " tell it to the judge '' and hung up. 

I called back several times and was hung up on several times. Eventually I spoke with " XXXX XXXX '' who was the person in charge. He threatened me with criminal fraud charges, asked about my XXXX, asked about my mother, told me he knows everything about me and that he had a picture of me. He then called my mother and put her on the phone. 

At no point did the company ever say their business name, who the attorney who represents them is, or what their mailing adress is.

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 2022-10-04
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: Experian Information Solutions Inc.

Complaint:
Pursuant 15 U.S. Code 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. 
XXXX XXXX XXXX/ XXXX CREDIT CARD ACCOUNT # XXXX XXXX XXXX XXXX on XX/XX/2022 I contacted XXXX XXXX XXXX about my hardship cause by XXXX I spoke to a agent she promised me that the late payment would be remove and late fee due to the CARES ACT. 
upon reviewing my consumer report on XX/XX/2022 I seen that my account was flag for a late payment from the credit card company. ive then attempted to contact the company and ask why this was being reported, I told her this information was inaccurate because I was promised that the late payment would've been remove and late fee wave the lady told me all that was done was the late fee and she cant help me because I would've to contact the consumer reporting agencies to file a dispute to have it remove I have since contacted the Experian, XXXX and XXXX all 3 of those companies undated my file XXXX accurate, I called XXXX XXXX XXXX/ XXXX CREDIT CARD for the 10th time and that's when the chaos started with they agent being rude and hanging on my face telling me there's nothing they can do! I'm reaching out to the CFPB and OCC to help me with this matter.

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 2021-05-18
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
There are addresses on my credit report that I have never lived at. The only address that should be on my credit report is XXXX XXXX XXXX. The other address are not mine and wonder how did they get there. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX-XXXX,XXXX XXXX XXXX XXXX , GA 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 2022-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.

Complaint:
Medical Revenue Service posted multiple collections on my credit report around XXXX of XXXX. I disputed these items with the credit bureaus and some items were not removed. Since I was in the process of building a home ; I felt I had no other option but to pay these false claims. I never received proof that the alleged debts belonged to me. I only received a statement that the debt was paid by Medical Revenue Service. Furthermore, during the time that they alleged that I owed them this debt, they were not licensed to collect debt by the state of Florida. This company was able to enforce such charges only because the Credit bureaus did not validate their claims. I never received proof that the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
XXXX authorized a credit card for XXXX XXXX XXXX XXXX  in Michigan using a fake driver 's license under my name. Upon contacting XXXX they said my information will be cleared from all credit Buearus however its been a year and XXXX has only cleared my name in XXXX and not in XXXX or experian. Charges started from XX/XX/22 where XXXX fraudulently approved a fake driver 's license under my name and gave the thief credit line of 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 2023-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION

Complaint:
I followed an online promotion from Truist for a {$400.00} bonus for opening a personal checking account. I completed this online and then set up online access. Their system submitted trial deposits to my current bank, which we submitted successfully. 

One day later, I attempted to verify the trial deposit amounts and was told my account was blocked for fraud. There are zero transactions, not even an opening deposit on this account. I was on the phone several times speaking to overseas reps who continued to say either the account was blocked or closed, but I never got a consistent answer. 

The six phone transfers were always to the wrong department ; at one point, I was sent to the XXXX XXXX XXXX. ( Please see recordings attached ) Accordingly to other individual comments/reviews online, Truist is doing this to combat paying the {$400.00} account opening bonus.

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