hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.

Complaint:
In late XXXX of XXXX, I noticed several open and reporting accounts on my credit report that I never received any notices about. During the process of investigating these debts, I sent a Debt Validation letter to XXXX   XXXX XXXX. This letter was dated the XXXX of XXXX, XXXX, and was received by a Ms. XXXX XXXX on the XXXX of XXXX, XXXX. 

It is now the XXXX of XXXX, XXXX. After almost three and a half months, this debt collection agency has had ample opportunity to not only respond to my request, but to investigate it themselves and, as my Debt Validation letter stated, cease reporting on the account until all investigation is complete. This account is still open, reporting, and I have never received any communication from XXXX XXXX XXXX regarding this debt or their attempt / willingness to investigate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I sent my rent check to my landlord via USPS in XXXX of 2017 - one month later when my landlord told me my rent was late, we realized that the check was fraudulently cashed at a cashier - someone the check was intercepted. I am attaching a copy of the back of the fraud check that was cashed without being endorsed by the company it was written out to. 

My bank ( BANK OF AMERICA ) opened a claim and tried to get the money back from the depositing bank ( XXXX XXXX ) but did not receive a response so they did not give me my money back. 

I attached the fraud cashed check, a cashed check how it should look from my landlord and the letter from BofA saying that they are closing my claim and can not give me my money back even though they know this was a fraudulent check.

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 2022-07-02
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc

Complaint:
A company called XXXX charged my account XXXX usd on XX/XX/XXXX at XXXX XXXX I have never used this company or service so I contacted my bank a few minutes later and disputed this transaction The bank ( chime ) asked me for documentation proving this was unauthorized and I said that I didn't know how to prove money was stolen from my account other than the funds being missing and me knowing I didn't spend XXXX XXXX they advised me to file a police report wich I did then my bank canceled my card after verifying I had not lost my card and it was still in my possession. I got a letter after requesting a reason why they denied my claim and they basically said in the letter that nothing looked out of the ordinary and that because I used a basic bank function prior to the charge wich moved money from my savings to my checking account that they believe I anticipated the charge and therefore it must be legitimate. The bank ignored my other evidence I submitted that this is a scam ie, the phone number is unreachable and the company is not on any XXXX search after I have attempted to connect with the merchant over 12 times no response. The bank didn't investigate the merchant or attempt to contact the merchant they only did a half assed look into my spending and determined it's not unusual and deneyed my claim. This is I believe unfair and poor practice and hardly can be called a investigation into my request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.

Complaint:
This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
After i reviewed my credit report i noticed some entries that i did not authorize. I submitted an Identity Theft Report with the FTC and sent it to the CRA 's. I did not give my permission for anyone to pull my credit nor apply for anything. Please delete the inquiry entries i did not authorize : 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 2023-06-16
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-05-02
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
They keep reporting a fraudulent account on my credit report. Ive sent multiple letters for disputes they just say verify but they dont send anything prove its my debt. Which its not so I have no idea what to do anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXX with a balance of {$880.00} and an original creditor of XXXX XXXX PHYSICIAN. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.

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 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
- Entered XXXX XXXX on XXXX XXXX in XXXX on XX/XX/XXXX to wire proceeds ( {$100000.00} ) from sale of business to personal account. 
- Bank manager, XXXX, states that he can save me the {$36.00} fee and provide a certified check which I can run across the street to Bank of America. 
- I explicitly ask due to the large amount, will BofA put a 10 day hold on the check? I was assured they would not because it was an official check, and asked if the branch manager was sure. He confirmed again and I agreed to take the official check. 
- Deposited check at BofA XXXX XXXX on XX/XX/XXXX immediately after leaving XXXX, as suspected, they placed a 10 day hold on the check. 
- I called XXXX to inform the bank manager, was not a huge deal in my situation as the money wasnt earmarked for anything, but it could detrimental if he does this to someone else using that money for a down payment to a house, etc. 
- Fast forward to XX/XX/XXXX at XXXX XXXX ET, I receive a low balance alert from BofA. 
- I open my app, and not only is the initial hold of {$98000.00} still on my account until XX/XX/XXXX, but theyve also placed an additional debit/hold for the full value of the check {$100000.00}, draining my primary checking account and my secondary account which is responsible for all auto-pay bills. 
- I called BofA Fraud and they had no answers other than the check was flagged as fraudulent, we cant help, you need to talk to XXXX. BofA could not provide any rationale or logical explanation that two holds were placed on the account, in essence freezing any funds that we have. There is no sign of funds in either BofA or XXXX accounts.

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 2023-06-02
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:
I have incorrect information on my credit report. *THIS IS A DIFFERENT CASE, SEE ATTACHMENTS. DO NOT MARK IT AS A DUPLICATE. * I tried to get it investigated via mail on XX/XX/2023, however, Equifax only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. Equifax did not open disputes as requested. I will be attaching the dispute letter that I sent on XX/XX/2023 originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Experian and XXXX has continuously and falsely verified this alleged account. Both Experian and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector ( XXXX XXXX ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint:
I am missing payment counts from XXXX on all my direct loans serviced by FedLoans, and qualify for PSLF. FedLoans says the months were ineligible because no bill was generated. Due to my XXXX income from the year before, I would have $ 0 monthly payments through this time period. I have contacted customer service many times through this process, only to be told that it is under review and to wait longer. It has now been almost two years. My payment count with FedLoans has literally never been correct despite XXXX yearly, working for a qualified employer, having PSLF-qualified direct loans, and never missing a payment due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
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 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 2023-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP

Complaint:
Hello, I opened a checking account offering a {$600.00} promotion after {$10000.00} in direct deposits back in early XX/XX/2023. Promo code for bonus was XXXX and entered during application process to open account. Requirements for the bonus were met but no bonus has yet posted to account. It has been 5 months.

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 2023-08-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Army and Air Force Exchange Service

Complaint:
I received an email notification on XXXX XXXX suspending my account and falsely threatended to contact commanding officer to pressure to pay debt. This a unfair and deceptive act that violates federal consumer financial laws.

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 2023-07-11
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:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies 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 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP

Complaint:
On XX/XX/XXXX I opened an account with XXXX XXXX XXXX card. At that time, I was given a credit limit of {$8500.00}. I used it to transfer 2 balances from 2 other cards and had a few other purchases but remained well under the {$8500.00} credit limit. During that time, I have paid every month on time and no missed payments. Today XX/XX/XXXX I received a letter informing me that my credit limit was reduced to {$6100.00}. Which has now cause my card usage to go from 70 % which I know is high but was working on reducing it to 97 % usage. That is completely unfair to do and will have adverse affects to my credit for the next several months while I now scramble to try to pay it down. I was told it was due to factors on my credit file, however the only difference in my credit file has been my score that has increased. I used XXXX to keep track of my credit score and when I applied for this card I was in the high XXXX. I am now in the XXXX range and do not understand how a company could put a customer into a position, on purpose, to hurt someones credit file. This is pathetic customer service for someone who has never been late and was given a credit limit 5 months ago only to have the credit card company decide to decrease it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: DISCOVER BANK

Complaint:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

Identity Theft XXXX Account Number : XXXX This is not mine XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

. DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

. XXXX XXXX XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
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:
They are credit inquiries that are on my credit report that I did not authorize authorize or did not apply for.

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 2022-12-26
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 fourth 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 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