hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.

Complaint:
In 2016, I negotiated a deal with Sallie Mae ( now Navient ) to reduce my student loan payments. I negotiated a deal that combined all three of my accounts into one payment of {$250.00} per month and an interest rate of 0.01 %. Since then, I have made this agreed payment monthly, on time, by direct debit. Unfortunately, they report this as a late payment every month and the accounts show as charged-off on my credit report even though I continue to make the agreed payments on time. They also do not list any due date for the payment online in my account. I have been told by them that they are allowed to do this, but it is false information that is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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: Experian Information Solutions Inc.

Complaint:
Ive been a victim of identity theft for the last 5-6 years and its been a ever lasting nightmare ... Ive lost my drivers license, identification card along with my home being broken into. My passwords have been compromised. I just need this end. This XXXX XXXX account I have no recollection of and needs to be removed. Ive submitted a full police report, FTC report as well as contacted XXXX XXXX and they can not tell me who actually started this agreement. I have yet to obtain any documentation of importance. 

XXXX XXXX XXXX XXXX Account numbers, opened XX/XX/2016 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 2023-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint:
I opened my account online yesterday ( XX/XX/2023 ) at approximately XXXX EST. I received an email at XXXX today ( XX/XX/2023 ) stating that my debit card had been activated, which it had not been sent to me yet. I tried to log into my account online and it kept telling me my information was incorrect. I called customer service and the first agent said they had to transfer me, so I was then sent to agent # 2. Agent # 2 said that I needed to speak to the fraud department and then transferred me there. The fraud department agent then told me there was nothing he could do after I stated to just close the account completely and told me that I needed to speak to customer service and hung up on me. I then called back again and spoke to customer service who told me that I needed to speak to the fraud department. When I requested to speak to a supervisor, they put me on hold and then came back to tell me that they can not transfer me to a supervisor because of some note on my account and that I needed to speak to the fraud department to even try and close my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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 check my credit file and i saw a account that was mines the date of the account was XX/XX/2022 the collection Agency was XXXX XXXX XXXX. THE AMOUNT WAS {$710.00} I have no recognition of this account or knowledge of this account. I'm a victim of fraud. In information is report wrong information on my credit file. I being violated of my rights under the fair credit ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I opened a XXXX XXXX card and was approved for {$500.00}. I have not used XXXX XXXX XXXX and the lender closed my account due to inactivity. Somehow someone was able to fraudulently reorder a card on a closed account and was approved for over {$18000.00}!!!!!!! I don't get how XXXX XXXX could have authorized such mess without properly verifying this account and I am honestly disgusted by how careless they are with their consumers information and account access! I would like this account either removed or reflect accurate account status. I have provided documents to support my position in this matter. Please see to it that they verify and validate this account using accurate and consented information made by myself! I do not owe XXXX XXXX a thing and will not pay a frauds balance!

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: 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-02
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: Thaxton Investment Corporation

Complaint:
Please note that I am the author of this complaint and all attachments included This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( 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. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
*NOTE : XXXX did send TWO checks due to the breach of my social security number. XXXX is in process. 

XXXX - CMRR USPS XXXX XXXX - Disputes - Never verified any of my disputes based off of the XXXX AND XXXX breach. 

XXXX - CMRR USPS XXXX XXXX - Disputes on Inquiries - Not fixed, verified, or answered by Transunion . 

XXXX - CMRR USPS # XXXX - Disputes on Inquiries # 2 -  Not fixed, verified, or answered by Transunion XXXX 

XXXX - CMRR USPS XXXX XXXX - XXXX did not fix, verify, or answer any of the disputes EVEN THOUGH I was in the XXXX AND XXXX breach.  XXXX knows they did send two checks to me due to their breach. 

XXXX - CMRR USPS XXXX XXXX - Second attempt to XXXX.   Did not fix, verify, or answer these 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 explanation
Consumer complaint received 2023-07-21
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:
My name is XXXX 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.

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 2019-10-18
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 my Credit reports XXXX XXXX XXXX, reported as of XX/XX/2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. 

However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.

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 2022-02-18
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 HAVE NEW UPDATED INFORMATION!!! 

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan, submitted a dispute to EXPERIAN and they stated that they've " verified '' that the items I disputed are being " reported correctly ''. I reached out to EXPERIAN for the details of the investigation that they did to verify this account. This is my third request and I have not received any proof of details showing that they've done an investigation. I filed my complaint about this and each time I try to receive a response from EXPERIAN concerning this matter, they state that they need authorization to proceed with the complaint. In my opening statement of the complaint, I state my name and state that I'm submitting this complaint myself and that there's no third party involved, and if they need my authorization to proceed with the complaint, then they have my authorization to proceed with the complaint, yet they continue to ignore my complaint as a stall tactic. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my credit file through CFPB complaint numbers XXXX, XXXX, XXXX, XXXX and this time through certified mail # : XXXX XXXX  XXXX XXXX XXXX. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to EXPERIAN 's blatant disregard for federal law. It is my belief that EXPERIAN feels comfortable committing blatant violations of the FCRA because they know the CFPB won't enforce the laws set forth by congress as shown time and time again. EXPERIAN has caused me stress, marital issues, sleepless nights, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ), if any reinvestigation of any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. I reached out to EXPERIAN for the details of the investigation that they did to verify this account. It was well over 15 days and they hadn't replied to the complaint. They later responded that they will send it in the mail. I preferred to receive their response through the CFPB portal because I know that they've told me before that they would provide a response through the mail and it was not what I thought it would be.

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 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint:
On XX/XX/2019 I submitted an application on XXXX website to open a Citi Accelerate Savings Account. The application included an authorization for a {$1000.00} ACH debit to my checking account at another bank to open the Citibank savings account. After I submitted the application, I had some questions about the account, so I tried to call Citibank to ask those questions. After going through many automated phone options, I couldnt reach a human. I became quite concerned about putting my money in a bank where I couldn't readily reach a human and wanted to cancel the application ( most of our savings is currently at XXXX XXXX, paying a lower interest rate than Citibank, but at XXXX  a human answers right away ). After finally reaching someone, I was referred to a couple other 800-numbers. I finally reached XXXX at XXXX. I told him to cancel the application. He assured me the application would be cancelled and my checking account would NOT be drafted for the {$1000.00} opening deposit. 
My checking account was drafted for {$1000.00} on XX/XX/2019. 
On XX/XX/2019 after being transferred many times at Citibank, supervisor XXXX told me the account was indeed opened. She assured me she was closing the account and a check for {$1000.00} would be mailed to me within 5 7 business days. She did give me the option of using yet-to-be-sent debit cards to empty the account. I told her I did not want to do that because of ATM fees, etc., and that Citibank would probably come after me and damage my credit rating over unpaid account fees, etc. I told her to close the account and send the {$1000.00} check. 
Today is XX/XX/2019, 10 business days after XX/XX/2019. I have not received the {$1000.00} check promised by supervisor XXXX. 
I called Citibank this morning, XX/XX/2019. After being transferred a couple times and being on-hold for 12 minutes, supervisor XXXX, Team # XXXX, told me the account had NOT been closed. He transferred me to New Account Servicing Group representative Semper, Team # XXXX. Semper put me on hold for 3 minutes and said she put in another request to close the account, and that a check should be mailed in 7 10 business days. I told her I had waited long enough to get my {$1000.00} back and that I wanted it ACHd back to my checking account at the other bank. She refused.

Its now been over 3 weeks and Citibank still has my {$1000.00}. Im retired. That {$1000.00} is a lot of money for me. I was originally told it would not be drafted from my account in the first place. I need that money back sooner than 7 10 business days ( two weeks in real days ). Citibank has lied to me at least two times over my {$1000.00} and I have very little confidence that theyre currently telling the truth about closing my account and sending my {$1000.00} back. Can CFPB help me get M
Y money?

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY

Complaint:
opened a Wells Fargo account online and when you open online you dont get to set your pin they mail you one after they mail the card my mailbox was broken into and card and pin were stolen there were multiple transactions that were made using my card that were somehow reversed except for 2 atm withdrawals and and a cashapp transfer since I never received my card and pin I had no access to my online banking which the thief locked me out of and changed my address my phone number and email address XXXX transfer was credited back to account and stolen again and atm fraud claim were denied and now Im out of about {$2500.00} XXXX XXXXXXXX XXXX transfer and {$700.00} atm withdrawal XXXX XXXX {$700.00} atm withdrawal

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 2019-12-09
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:
I have been disputing negative unverified information from my credit report since XX/XX/2019 by certified mail alone with online according to FCRA Section 611 ( a ) ( 1 ) ( a ). I also under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) have requested the method of Verification after the amount of time allowed [ 30 day ] for the credit bureaus to respond to my request, well we are in XX/XX/2019 and I have not yet to see any verification or original contract bearing my signature of me agreeing to the terms of paying the debt. It's becoming very frustrating, stressful, and expensive to dispute with the credit bureaus due to the fact that I understand the stall tactic of the credit bureaus and the games that they play. It has been said the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, they are essentially data brokers. So the more data is worth more money, even if some of it is being incorrectly reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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 ) 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 States A Consumer Reporting Agency can not Furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
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: HW Holding, Inc

Complaint:
We moved into a trailer park and when we got there we needed to work on the trailer due to EXTREME UNLIVABLE conditions. We needed to redo pipes. The toilet, a/c, buy a refrigerator, remove countertops and redo carpet and tile flooring because it was cockroach infested and there was inches of carcasses in the home. We lived there for less than 2 weeks and when we put our 30 days the owner would refuse to help us or respond or call as if he was not a real person, and was afraid to contact us. Also my ex husband was the one who had it under his name. And the trailer manager had asked for my social security info because I lived there, even though I was just living there and was not the one who applied. Also my grandmother lived 2 doors down for a very short period of time due to the same reasons. And the company is charging 3 people who lived there the full rent amount. Also they kept our security deposit of XXXX $ and we paid the first months rent and after a week of living there there were roaches in our food and we killed over 100 a night during dinner time. It was awful and we were forced to flee the place.

Company response to consumer: Closed with explanation