hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-04-07
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: Verisk Analytics Inc

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.

Complaint:
Greetings. Last XX/XX/XXXX I started receiving letters from Citibank saying that there was a problem with my mother 's address ( this is a conjoint account, where I am the primary holder ). I called the number provided and also contacted my branch manager in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided the required documents. They said all was fine. 
Then, last month I could not pay a credit card using this account. I did not know why. Then the same week I received a letter saying that the account had been blocked. However, I had complied with the rules the letter mentioned. It states that an account can have a mailing address AND a physical address ( residential or business ). 
That is the case of all my accounts. In this particular XXXX XXXX, that was confirmed the month before ( XXXX ) by several calls to Customer Service and XXXX XXXX. However, on XX/XX/XXXX, after I received the letter XXXX suddenly said that I can not have a mailing address different from the residential one, denying my right of privacy. 
But in fact, based on what the Citibank letter says, there is no reason for this account to be blocked, causing me and my old mother stress and late payments in her credit cards. 
Citibank must reactivate my account immediately. After that phone call ( XX/XX/XXXX ), XXXX said she was going to call me back the same afternoon. She did not, just sent an email saying she had transferred me to another branch. That is rude and unprofessional. At the moment the account is still blocked, as my mother is traveling. This is outrageous. We had followed the rules, I have been with Citibank for 29 years in 3 countries. But from XXXX the service hasgotten worse and worse. It seems discrimination, like they are trying to get rid of me. Does the CFPB allow this kind of behavior? I hope not. Thanks, 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 explanation
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.

Complaint:
PNC is engaged in systemic fraud regarding their credit card promotions and payment applications. I have been a long time customer with PNC, and up until know, have always praised their practices and customer service. After speaking with a member of their high level retail card specialist team, they confirmed they are engaging in illegal behavior. This issue is costing hundreds, if not thousands of dollars, from all of PNCs ' unsuspecting customer 's. PNC offers a balance transfer for their XXXX credit card, which on their website states : the minimum payment due is applied to the balance transfer while any remaining excess funds are applied to the highest APR balance. However, on my last statement, a month after accepting their balance transfer, they applied funds to my balance transfer ( muting the point of a balance transfer and their fee ) and then charged interest to my standard APR purchase balance. This is in direct violation of their terms, applied practices across other credit cards/banks and is flat out wrong going beyond negligence into fraud. To understand the math and their deceptive/fraud business practice : XXXX Statement : Balance-XXXX Min Due- XXXX 0 % Promo Balance- XXXX Paid/Credits : XXXX XXXX Statement : Balance- XXXX Interest Charged at 20.74 % - XXXX Min Due : XXXX 0 % Promo Balance : XXXX PNC literally charged a balance transfer fee and then applied funds fraudulently so they could assess interest. In one statement, PNC fraudulently assessed/charged almost {$120.00} in erroneous fees. As my payments should have been applied, there should have been no interest charged, the balance transfer rate should have only decreased by the minimum payment of {$87.00} to {$1700.00} with the remaining credits/payments reducing the purchase balance at the standard 20.74 % rate. Please help stop these illegal practices and the thousands of consumers who are being fraudulently stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd.

Complaint:
On XX/XX/XXXX I wrote to XXXX disputing a collection account I was unaware of and specifically asked for validation and verification of the account. I requested a certified copy of a written agreement or contract bearing my signature and that XXXX has a valid basis and/or authority to collect this dept in the state of Tennessee. 
The Collection Bureau of America responded on XX/XX/XXXX and failed to provide ANY of this information, but instead began further collection attempts and updated their claim on my credit file and refused to delete the information. 
I followed up with a second letter and as of the date of this complaint have received no further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation

Complaint:
I pay of my Aspire credit card, and was told my late fee would be taken off, and am still being charged late fees upon late fees. As a result my card was canceled without notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC

Complaint:
We have a message from credit control LLC this is a call from a debt collector please call XXXX I have received repeated calls from this unscrupulous company. I know what my debt is and I dont owe anyone any 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 2022-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc.

Complaint:
They call no stop. I block their number and they call from other numbers.

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 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I have continued time in and time out to correct closed accounts account balances information being incorrect and each time its disputed its denied without properly reviewing particularly theres an account with XXXX XXXX that shouldnt even be on my report because the company did not follow the proper channels that the fair credit reporting act follows never received documentation never verified the debit was valid nothing even called the bureau today to see if I can get copy of the documents and no help so this is why Im filing this

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 2022-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A.R.M. Solutions, Inc.

Complaint:
I cancelled an account with the XXXX XXXX and later received a letter from ARM Solutions about a debt collection for {$10.00}. I was never informed of any outstanding balance from the XXXX XXXX at the time I stopped the service and paid the amount owed to ARM Solutions but I wanted to make someone aware of the situation before it happens to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: EQUIFAX, INC.

Complaint:
On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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: Closed with explanation
Consumer complaint received 2019-01-10
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:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.

Complaint:
I have a private student loan with Navient, took out a loan for roughly XXXX and was told to move these loans away from the Federal Plan they were enrolled in and at the time of 2006 roughly. Recently had graduated and was struggling to live with the economic times and other debts so I listened to Navient and enlisted in the program they gave me not knowing I could have been paying {$0.00} dollars through a income driven payment plan. I have been paying off an on, on the loan for roughly 15 years of time and for the past 7-8 years have been more consistent with those payments but still own more than I have ever taken out roughly XXXX dollars. It is a never ending cycle. My husband and I our both XXXX in Virginia. I am a XXXX XXXX and am looking for help however I can get it. I know about the lawsuit with Navient and feel that I meet the criteria for loan forgiveness, but have no way of knowing if I am on the list or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint:
Someone has opened a visa in my name ending in XXXX I dont know the bank or card number. This individual used it at Best Buy for over {$900.00} and used another card that Ive already 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 2022-06-05
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 '' Account # XXXX " XXXX '' Account # 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 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I PULLED MY TRANSUNION CREDIT REPORT AND SAW MULTIPLE FRAUDULENT ACCOUNTS REPORTING. I GOTTEN A POLICE/FTC REPORT MADE AND ITS IN THE ATTACHMENTS BELOW. PLEASE REMOVE ACCOUNTS THEY DO NOT BELONG 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 non-monetary relief
Consumer complaint received 2021-03-19
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: Experian Information Solutions Inc.

Complaint:
Today XX/XX/XXXX i received a text message on my cell phone from XXXX that read FINAL NOTICE : EXPERIAN HAS FLAGGED YOUR ACCT FOR UNUSUAL ACTIVITY. REVIEW BY XX/XX/XXXX XXXX : XXXX I clicked on the link and you had to setup an acct which included giving the last 4 digits of your social security number and other info and I only half setup the account and then I called experian and was on hold forever and luckily they informed me it was not from them and it was fraudulent and they put an alert on my credit report along with my phone number and since I applied for a home equity loan once the bank pulls my credit report I have to call all 3 credit companies and put a freeze on my account.I think this fraudulent text stems from being on ourtime dating site because there are so many scammers on that site and so many dishonest people. Ourtime is a very unsafe dating site.

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 2021-09-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.

Complaint:
Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Balance : {$2100.00} Account Name : XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, XXXX Balance : {$330.00}, {$160.00} For one, I have disputed these three accounts with the credit bureaus since XXXX of 2021, and have not gotten any response about how the accounts are verified and validated. These accounts are not reporting consistently and therefore I am using my rights to dispute if I find any incorrect and unverifiable items on my credit report.

For two, I have disputed the accounts directly with the original creditors and found that they haven't received any communication from the credit bureaus about a re-investigation. I am fixing my credit because I am trying to get approved for a loan. I did all that I could to get the bureaus to respond to my disputes with proof of the validity of the information reported on each account but I feel like my efforts are wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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:
Fraudulent inquiries and inaccurate account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY

Complaint:
On XX/XX/XXXX, a check of {$1200.00} was about to cash from my Wells Fargo checking account. My account did not have the balance to cover so an overdraft fee was incurred. I did not write this check. After hours of communicating with bank rep over the phone, I got the image of the check, and confirmed that 's not a check from me ( not even have my name/address/signature on it ). The rep confirmed it 's a bank error/fraud, however refused to credit the fee back to my account, saying additional investigations needed. On XX/XX/XXXX, I wrote online message to the bank, bank confirmed that the executive office will follow up this case with me within two days. I have not heard anything from the bank as of morning of XX/XX/XXXX. I have no choice but filing the case with CFPB, hoping the issue can be resolved swiftly and reasonably.

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 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
A thief stole my identity, created checks, and used my ssn without me knowing for years. 
You must delete everything XXXX XXXX have more proof of the stolen and fruad activity This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

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 2023-08-14
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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. 

EQUIFAX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

EQUIFAX INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
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:
Dear CFPB, I have been in constant contact with TransUnion for the issue of unauthorized inquiries since XX/XX/2021 up to now ( XX/XX/2021 ). I have been asking TransUnion to delete the following inquiries and to send an updated and corrected credit report to my address. 

As you can see there are numerous and countless letters that I have sent to TransUnion and the only reply I get is that of Inquiries are a factual record and therefore can not be removed. These unauthorized inquiries are really hurting my chances to get a refinance loan at a great rate and are really detrimental to my credit scores. 

I hope that your office can change TransUnions mind and steer them to removing these unauthorized inquiries. Is it not a violation to report inaccurate, incorrect, incomplete and erroneous information once you have been informed to the fact that this information is wrong? 


Thank you, 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 explanation