hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
These accounts were opened around the same time, back in the early XXXX 's, and it's well over the XXXX. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away. 
I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX  's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done.

I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC

Complaint:
Acima digital has opened a fraudulent account in my name and is aware of it and wont do nothing about it!!!!! I have never done business with them they opened a account on my credit profile on XX/XX/2020 I havent realized the account for some time Im a XXXX XXXX and sometime it slips my mind to keep check my XXXX. I have Fraud alert set up with the 3 credit bureaus and they never called me to make sure this account was actually me upon starting the account which tells me this company supports fraud!!! 
When you have fraud alerts the company calls the consumer to make sure its actually them because they can see when there pulling your credit that you was a victim of identity theft so this is why they verify!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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: EQUIFAX, INC.

Complaint:
Went to help my wife get a car, I explain I only wanted my credit ran once because it would hurt my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: EQUIFAX, INC.

Complaint:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint:
In late XX/XX/XXXX we received a letter from Fifth Third Bank advertising a {$250.00} bonus for opening a new Money Market account with the bank and depositing at least {$25000.00} in new money into the account. I initially attempted to set up an account on-line however I received an error message that the code on the bottom of the letter was invalid. After several attempts to open the account using different variations of the code ( upper case, lower case, is that an O or a XXXX ) I called the customer service number listed the Fifth Third website. The customer service representative had not heard about this promotion, however he made a number of attempts to input the offer code but got the same result that I had previously. He suggested we visit a local branch to resolve the issue. On XX/XX/XXXX we went to the XXXX, IL branch of Fifth Third and opened a new money market account and deposited over {$50000.00} in new money into the account. The bank representative attempted to use the offer code on the letter, but that did not work. She then tried using a generic offer code from an internal document in her possession, that did not work. We left the branch with confirmation of our deposit but no resolution as to the fate of our {$250.00} bonus. The bank representative said she would resolve our issue and inform us when it had taken place. To date there has been no communication from the bank and my calls have gone unanswered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I decided to get copies of all three of my credit reports on XX/XX/XXXX. After reviewing all three copies I noticed on XXXX of them that there was a collection account. The collection account is listed as XXXX XXXX XXXX is the amount of {$490.00} I have checked and searched profusely to try and find any bills or records that support this claim but to no avail. I realize now that this is the same account that I have disputed several times twice in XXXX. The first dispute was in XXXX of XXXX and the second one was in XXXX of XXXX. 
After the disputes I received emails stating that the listed accounts are accurate with no change in the listing. I have yet to receive any proof with my name, address social, etc. I would like to have this negative information removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc.

Complaint:
So, I obtained a copy of my credit report and notice multiple errors with my personal information as well as account that I do not own this information is destroying my credit and I don't think is fair at all I'm sure I have rights.

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 2018-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY

Complaint:
My account was closed apparently on 1XX/XX/XXXX. I want to know EXACTLY why it was closed. And if possible Re-OPEN the account! And payout the Bonus that I have completed terms for. 

I have been working toward earning my {$200.00} opening Checking Account bonus and have completed the requirements thus far and was expecting it to be payed by XX/XX/XXXX but you have now closed my account just before the pay day!

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 2023-04-20
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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:
XXXX XXXX XXXX XXXX is a retail store located at XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

On XX/XX/2019 a customer called our store to make a purchase and spoke to XXXX about buying 300 5/8 '' plywood. At that time XXXX sent the credit card authorization form to the email provided. Within one hour the completed authorization was emailed back and the credit card was processed without any problem. 

On XX/XX/2019 XXXX was suspicious about this transaction, therefore I, XXXX called our credit card processor XXXX XXXX XXXX and expressed our concerns. Immediately the representative advised me that everything looked fine. 

On XX/XX/2019 the merchandise was picked up by a delivery truck at our store. 

On XX/XX/2019 XXXX received a call from Mr. XXXX XXXX the owner of the credit card to let him know he was not the person who made the purchase. 
A police report was filed the same day. 

Our account was changed back the total of the sale {$6600.00}. 

I stared a dispute with XXXX and presented all the documents pertaining the case : Mr. XXXX 's authorization form, City MasterCard copy, Invoice and pictures of the pickup truck with the merchandise. 
XXXX finalized the dispute XX/XX/2019 and these are the comments : " Based on the rules and regulations governed by the Card Associations and the details of this case, we are not able to resolve the dispute with the cardholder 's issuing bank. Your account has been debited {$6600.00}. If you choose to pursue further attempts to resolve this dispute, you must proceed directly with the cardholder. ''

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 2023-08-23
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-22
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: SYNCHRONY FINANCIAL

Complaint:
Used Synchrony/Sam 's Club XXXX  regularly paid off balance every month XX/XX/2022 balance was paid off by XXXX XXXX XXXX  was not applied to my statement appealed statement and provided proof of funds transferring from bank account to Synchrony back and forth with Synchrony for several months eventually, Synchrony double billed me for the original charge and refused to credit account now, trying to get loan for kid to attend college and an adverse report on my credit prevents me from getting student loan

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 2023-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.

Complaint:
In late XX/XX/2022, I made a request for a refund of payments made during the XXXX forbearance under the Cares act through Nelnet. 

I requested an amount under but close to {$10000.00}. 

I made the request via phone call however I never received any documentation of when my request was processed or received and I have no documentation of the final amount to be refunded to me. 

I received an email from Nelnet on XX/XX/2022. This was a general email letting me know that the request was processing. 

I called them on XX/XX/XXXX to find out if they had any updates. They could only tell me that the request looked good and it was still processing. 

It has been more than 4 months as of writing this and I have no clue whether when this processing phase will end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the bureau to inform them that I did not authorize the inquires and that it was fraudulent activitie but they failed to remove the inquiries.

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 2022-07-27
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: Great American Finance Co

Complaint:
In accordance with the Fair Credit Reporting act XXXX Great American FinanceXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
I initiated disputes with all XXXX CRAs in XXXX XXXX. The dispute with Equifax still has a status of " pending '', now almost XXXX days later. I have not been notified of any result and I do not see a way to follow up with them about it - the " Contact Us '' link on their web site does not even work when I click it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Chime Financial Inc

Complaint:
On XX/XX/XXXX XXXX XXXX The first transaction was a amount of {$66.00}. This happened at a XXXX, located at XXXX CA, US The second transaction happened again later at night on XX/XX/XXXX XXXX XXXX but this time an amount of {$100.00} then again for the same amount of {$100.00} at XXXX XXXX 
I also filed a police report and also a complaint to bank, for an open investigation. I currently still have my card that they used but I canceled it and requested another card for my safety. And I also changed my PIN number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.

Complaint:
There is negative information reporting on my credit report for collections that I have no knowledge of. I have not received written notification therefore Ive been denied my right to the timeframe allowed to request validity of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP

Complaint:
XXXX lease see attached printout from my US Bank online statement. I authorized XXXX to debit my account {$100.00} which left me just over {$2.00}. POSITIVE. They still charged me {$36.00}. I do not sunderstand how they could charge me if I was positive. I called and asked them to stop the XXXX   payment they said I had to call XXXX. THis did bring me negative and they charged me another {$36.00}. 

THesame thing happened two weeks ago and I had two employees tell me that was a bank error and it happens all the time. They reversed that one. 

I am a single Mom on XXXX. I can not afford this {$72.00} in fees. I am opted out because I do not want to go negative and pay fees.

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 2021-12-03
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Disputing {$50.00} charges on XXXX dates from XXXX XXXX XXXX to my credit card account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Some charges happened when my credit card was locked ). The amount is in error because, in XXXX of XXXX, I updated my payment method and removed my card from the account. Per the XXXX XXXX XXXX policy, customers can do so if they need to change or update the payment method. Nowhere in the agreement states that the company will keep deleted information and use it later. Furthermore, the company tried to charge my credit card and the other accounts I had on the website. They only tried once to set the monthly fee of {$140.00} once but at no time did I authorize XXXX dollar payments to be withdrawn from my account at any time of their choosing, as they indicated by their false and misleading authorization information. Would you please reach out to XXXX XXXX XXXX and ask them for documentation on where I authorize the {$50.00} charge? Also, I reached out to XXXX XXXX XXXX about the unauthorized charges ( See emails ). I was informed that changing and deleting my past billing information doesnt stop them from charging that account that isn't authorized to be charged. I asked them to stop debiting that account, and they refused. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I request that Capital One take no further deduction from the credit card account until the notice of termination period has expired. Enclosed are copies of emails I sent regarding this issue supporting my position and experience. Furthermore, looking at my credit card statements, I didnt use that account to make a payment with XXXX XXXX XXXX since I updated my information in XXXX. Please correct the error on my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I sent a letter on XX/XX/2023 to Experian, XXXX and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S code 1681a - Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information of a consumer 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 XXXX such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a credit reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete the investigation.

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 2020-06-21
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:
Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, XXXX, and Equifax in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX  ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX   and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation