hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$170.00}.

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 2021-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.

Complaint:
IC Systems and XXXX XXXX XXXX received medical debt. This debt is tied to medical information that they are not legally allowed to have under HIPAA laws and therefore the debt is illegal and should be removed.

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 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA

Complaint:
I am currently on an income-driven repayment plan in which I have to re-certify annually. I submitted my certification documentation on XX/XX/XXXX. Since that date, I still have yet to receive a change in repayment plan. On XX/XX/XXXX, I contacted Fed Loan Servicing requesting a status update on my request and received a response on XX/XX/XXXX, stating that I would need to make a payment in the Standard repayment plan to proceed with the request to change my income-driven repayment plan. I paid the minimum due of {$360.00} on XX/XX/XXXX. It was communicated to me on XX/XX/XXXX, that my documentation had missing information-how often my husband and I are paid. I responded with the requested information on XX/XX/XXXX, and was under the impression that my request would be processed. I followed-up via e-mail with Fed Loan Servicing on XX/XX/XXXX, asking for a status update. I received a response the same day that I had satisfied the one-time payment and that I would be contacted once the review was completed. On XX/XX/XXXX, I still had not received any notification so I, again, e-mailed Fed Loan Servicing requesting a status update. I was informed by " XXXX '' that the payment that I made XX/XX/XXXX did not qualify and that the opt-out procedure had not yet been submitted. Please remember that I did not submit my request until XX/XX/XXXX, to begin the process so I 'm still unsure where the information about my XX/XX/XXXX payment came from and XX/XX/XXXX, they were supposed to submit the opt-out procedure. At that time on XX/XX/XXXX, I contacted Fed Loan Servicing by phone. The representative apologized and stated that there was a mistake on their end. He contacted his supervisor and they escalated the request. I received documentation from them on XX/XX/XXXX and XX/XX/XXXX, which the rep. stated would happen so, again, I thought things were moving along. Now, it is XXXX XXXX, XXXX, and I just received an update. My request was denied due to missing information-how often my husband and I are paid. I had already provided this information back on XX/XX/XXXX. I responded via e-mail to the request for the information and also advised them that I had already provided the information to them previously. I am very frustrated with this process and the lack of competency to complete my request. I have been through this process for a couple of years now and have never had this problem before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION

Complaint:
I was able to open a checking account with Truist Bank. The account was immediately locked and flagged for " fraud ''. After speaking to a representative on the phone, I was told that I would not be able to close the account over the phone and would need to drive 400 miles to the nearest branch to close it. 

Account opened : XXXX XXXX deposited : {$50.00}

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 2020-12-03
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:
reporting public records opt out b/c of ID theft please remove from all records ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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: EQUIFAX, INC.

Complaint:
XXXX, Equifax, and XXXX are all reporting I have two chapter XXXX bankruptcies from 2016. I only have one. The clerk that entered my bankruptcy filing forgot to include my LLC 's information on the original filing, even though it was on the paperwork. Instead of correcting the original petition, since it was the court 's error, they dismissed the original petition and then refiled the petition the following day under a new case number. I was sent a letter by the Federal Bankruptcy court, explaining this which I sent to the credit reporting agencies. They refuse to remove the original filing which is negatively impacting my credit score to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.

Complaint:
My mortgage company is not reporting my mortgage to the credit reporting agencies for the last 2 years

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 2023-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.

Complaint:
Citibank allowed debit card transactions to overdraw my account. The problem started on XX/XX/2023 and, since then, they have allowed 7 transactions to post causing {$110.00} in overdrafts. There are still 3 pending transactions totaling {$19.00} that will further overdraft my account. I called Citi on XX/XX/2023, and was told that Citi has a software to decide what accounts they allow to have debit card overdrafts. I'm not sure why this is their policy, but maybe since they did away with overdraft fees, they have to make money somehow. 

The purpose of a debit card is to act like a credit card. Why would a bank allow debit card overdrafts based on some arbitrary formula that is not known to the customer? It seems like a scam to me.

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 2020-10-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Bank of america is withholding my deposit causing me to have overdraft cost. And delaying time for me to pay my taxes and buying materials for work

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 2018-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio recovery is calling me non stop using various area codes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Sometime theycall as a ptivate caller or unknown caller. they call2 timesin the morning, afternoon and evening up to XXXX at nightand saturday and sunday.. I sent a letter to XXXX  XXXX, along with the name of my bank and my account number showing that my income of social security was, indeed, under the protected status which my social security income could not be touched forant reason by any bill collector. this information should have been conveyedto portfoliorecovery when they sold them my account.. once again thank you for your help company address XXXX XXXX XXXX XXXX va XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint:
In  XXXX  of   XXXX   I received a bill for annual fee of {$95.00} for a credit card I did not use. I called to cancel the card and the customer service rep was very reluctant to close the account for me and said that if I kept it open she would credit the {$95.00} annual fee after I activated the card. The card did not arrive and I was charged {$95.00}. After multiple calls I finally received the card and activated but continued to receive past due for {$95.00}. After multiple additional calls I canceled the card and was told the fee would be waived. I continued to receive past due notices and a collection letter. I made additional calls and guaranteed it has been handled. I am requesting copies of letters sent to credit bureaus clearing this false late charge and documentation showing closed account with zero balance fo r Citibank  card ending in  XXXX . Please refer to the account notes and customer service calls  ( recorded ) to Citibank  to clarify and resolve this situation ( starting in  XXXX    XXXX   to present ). I am also contacting the better business bureau and the state attorney general 's office with this complaint.

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 2019-08-22
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:
Viewed credit file through Experian in reference to XXXX XXXX ( XXXX XXXX XXXX ) account showing charged off in the amount of {$1400.00}

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 2022-06-25
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 fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Balance {$2900.00} Highest Balance {$2900.00} Opened XXXX. XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info

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 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
After XXXX  breach, XXXX  gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( XXXX, Transunion and XXXX ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.

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 2022-12-23
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
In XX/XX/XXXX I filed a complaint with Equifax, XXXX XXXX, XXXX and I didn't receive a response back until back until XX/XX/XXXX. This date is way passed the 30 days time frame allowed. I am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account is duplicate with multiple listing as open error please delete inaccurate. Below are the CFPB confirmation numbers to my claim. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
I have accounts that are posting inaccurate Information.

Inquires i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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:
Please help! I am submitting this complaint in regard to the negligent and unauthorized reporting of fraudulent accounts on my report. I have submitted an FTC complaint and affidavit alongside my proof of identity. I have submitted all documents in accordance with section 605B of the FCRA. The act does not require any extra information. Please remove the account with 4 business days of receipt of this complaint. I have mailed out a complaint directly to your company to the CFPB as well. Please comply with the law. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.

Complaint:
while ordering a item from XXXX the rep total me that i was accepted for a XXXX credit card would i like to put the item on the card. Since then I have been charged excessive " flex pay '' payments and gross interest and compound interest charges. 

in XXXX of this year I returned numerous items to XXXX via XXXX. I have not been given full refund of my payments and interest paid I haven continued being charged for returned items plus interest. Although i may monthly required payments and have not been given full credit for returned items. I fell I have for exceeded the Flex Payment advertised. At this rate I will be paying for items that were advertised as four or five payments for years. 

I have made several calls to point of exhaustion to try and resolve these numerous discrepancies. Each time being told " it's now correct '' and my next bill will reflect the corrections. However with my monthly payments and returns my monthly statement continue to increase. 

This predatory practice and reporting of incorrect charges to the credit bureau in my opinion is in violation of the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. 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 2018-01-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D2 Management LLC

Complaint:
XXXX 2017 - this company called saying they were collecting a debt which i didnt remember - her name was XXXX XXXX - she called form XXXX - I gave her my bank info and we agreed on XXXX a month which she has been taking for a year now..every month - i attempted to call her back to see how much was left on this bill but the number isnt in service. and I can find no info online as to how to contact them. They have taken XXXX from my acct over the last year ad now i feel really dumb..The company name is D2 management..Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.

Complaint:
I uploaded all documentation of my current address and I called 3 times each time the reps assured me that they are attaching the docs and it will be updated, they even wrote on XXXX of the outcomes that the address change requested was updated. 
Now since my address got off my report ( a few months ago ) I can not obtain a credit report for my mortgage lender... I am XXXX! 

I tried 3 times as mentioned I hope they will help me 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 explanation
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio

Complaint:
Pulled credit report XXXX/XXXX/15. Sent validation request of 3 medical collection accounts. Received response from Business and Professional dated XXXX/XXXX/15 refusing to provide validation. Their " reasonable belief '' is incorrect ; validation request was NOT prepared or submitted on my behalf NOR was it supplied by a credit repair organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
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 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