hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-07-30
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 sent a letter on XX/XX/2022 to CREDIT BUREAUS to remove XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX, XXXX XXXX Balance -, and XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX ) XXXX Balance {$130.00} that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after theXXXX XXXX letter I sent. .Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again.,

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 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint:
I had a credit card with 5/3rd that was taken out in XX/XX/XXXX & myself & my father, XXXX XXXX XXXX, were both on the card. My father filed BK in late XX/XX/XXXX & when I attempted to make pay on my credit card with 5/3rd they stopped allowing me to make payment, closed out the credit card & have reported the card a charge off even  though I was never late on the card & they prevented me from making payment on the card like I had for the previous 14 years. As a result of them, not allowing me to make payment & reporting it a charge off my credit went from the high 700s to the mid to low 600s causing me to pay more for every single type of credit i have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The JPMCB CARD XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION

Complaint:
I received an international wire transfer from my employer a week ago. BB & T has been holding all access to my account pending an investigation. I have submitted proof of employment. BB & T charged my account for posting this transfer, yet they will allow no access to my funds.

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 2019-09-30
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: Experian Information Solutions Inc.

Complaint:
Experian emailed attached XX/XX/2019 Experian XXXX - XXXX, your score decrease alert.pdf and XX/XX/2019 Experian XXXX - XXXX your score decrease alert and 6 reasons for credit score drop.pdf. 

For more than 2 years Experian has obstructed error correction. 

XX/XX/2019 Experian XXXX - XXXX, your score decrease alert.pdf conflicts with the 65 score increase in attached XXXX  XX/XX/2019 credit score from XXXX XXXX. 

In the attached XX/XX/2019 Experian XXXX - XXXX your score decrease alert and 6 reasons for credit score drop.pdf. Experian stated the 6 reasons for credit score drops : 1. You Have Late or Missed Payments 2. You Recently Applied for a Mortgage, Loan or New Credit Card 3. You Made a Large Purchase on a Credit Card 4. One of Your Credit Limits Was Lowered 5. You Closed a Credit Card 6. There Is Inaccurate Information on Your Credit Report Respectfully there has been no Late or Missed Payments. I have not recently Applied for a Mortgage, Loan or New Credit Card. There has been no non-fraudulent Large Purchase on a Credit Card. XXXX raised not lowered my Credit Limits. There were no closed Credit Cards. Yes there is a ton of Inaccurate Information on my Credit Report that you have obstructed  correcting for more than 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 2015-07-10
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have received at least XXXX fake court documents citing Wage Garnishments that have been left at my door. I live in VA and this particular collection company is also located in Virginia - XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. The debt dates back to XX/XX/XXXX or earlier. I was taken to court and my wages were garnished for the amount I owed Capital One ( in XX/XX/XXXX ). Now I have a new company contacting me with fake Wage Garnishments. There 's no summons filed with the court and no court case in the court systems listing. They also have an incorrect address for my employer. I 'm sure I 'm not the only person they are contacting for time barred debt. The full amount I owed to Capital One has been paid - they still listing the full amount of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
After numerous attempts to obtain my credit file failed, I downloaded the XXXX request form and mailed it certified mail. I received only my XXXX  file and a post card addressed to me requesting a copy of my drivers license, utility bill, insurance documents, and/or bank statements. I am XXXX years old, and maintained residency at the same location more than 30 years. No company name appears on the post card only address XXXXXXXX XXXX XXXX XXXXXXXX Tx XXXX. The information I provided on the form was sufficient for XXXX  and I find this request abusive and harassing.

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 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have a Capital One Venture Card. On XX/XX/2020 I was charged a annual fee of {$95.00}. After I discovered the annual fee, I called customer service on XX/XX/2020 to cancelled the card. At the time the customer representative convinced me to downgrade to another Venture Card so that I won't get charge on the fees and told me that fee would have been waived. 

When I check my statement in XX/XX/2020 I still see I carry the annual fee. On top of that I am being charged interest of {$2.00} per month since then for the annual fee, totaling {$10.00}. 

I called them today XX/XX/2020. I requested for supervisor who is Senior Account superior. Basically she told me that me that that don't waive annual fees. Had I known that I would have just close the account all together.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-05
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: CCS Financial Services, Inc.

Complaint:
THIS COMPANY " CREDIT COLLECTION SERVICES '' WAS REPORTING NEGATIVE ILLEGAL INFORMATION ON MY CONSUMER REPORT AND DAMAGING MY CREDIT SCORE. I NEVER DID ANY BUSINESS WITH THIS COMPANY NOR HAVE I EVER EVEN HEARD OF THIS COMPANY. I WROTE THEM MULTIPLE LETTERS ASKING FOR DEBT VALIDATION ( WHICH THEY DID NOT VALIDATE THAT I OWED THEM ANYTHING ) AND SUBMITTED A COMPLAINT THROUGH HERE AS WELL.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.

Complaint:
I opened a zales account in XX/XX/XXXX, I paid the full amount in XX/XX/XXXX. The account was close and XXXX reopened the account on XX/XX/XXXX. There was no actual contract and the amount was paid in full for {$1000.00} now it stated that I owed {$3000.00}. False information and amount. Im no longer reliable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection

Complaint:
In 2015 a salesman from XXXX talked me into getting an alarm system. 
He gave me a price and I accepted, but XXXX kept raising my bill, also the house is rented and my landlord rejected it. Another factor is I'm XXXX years old and XXXX XXXX XXXX  for XXXX  XXXX ... It turned out I had to stay at a VA hospital and wasn't home ... I called XXXX and begged to be released from the contract.Within 2 weeks they removed the equipment and I thought it was over. Next thing I know they referred the account to Perfection Collection and kept charging me monthly until the account rose higher and higher..I never received any letter of resolution from Perfection, the only way I found it was that my excellent credit took a serious hit..I keep getting refused for credit because of this collection company..It shows up bad everytime ... I need to erase this black mark as soon as possible..It is unfair, I was taken advantage of by XXXX because I suffer XXXX XXXX and didn't know for sure what the terms were. Can you please help me?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.

Complaint:
I recieved A collection notice from company called I.C. system on XX/XX/XXXX about a XXXX  past due account This is the 4th collection agency that has contacted me since XXXX. XXXX XXXX  complaint # XXXX XX/XX/XXXX and also XXXX XXXX XXXX complaint # XXXX and also # XXXX XXXX XXXX  XXXX/XXXX XXXX refused in the past and still refuses to respond or return calls on this matter I keep having to dispute. Short story was disconnected XX/XX/XXXX still billed me in error even though I had called and turned in equipment will not credit me the balance Recieved new service XX/XX/XXXX paid past due balance the told me I had to pay to get new service came back about a month later saying I owed them more I still have XXXX  at present time same address

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 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
In  XXXX , RBS/Citizens sol d Charter One  Bank to  XXXX   XXXX . As a Charter/Citizens customer I was informed all accounts had been transferred to  XXXX   XXXX .In  XXXX   XXXX , I was informed by Citizens that it had retained my ( unused ) HELOC and that it was scheduled to expire in  XXXX   XXXX . Upon researching  ( IL  ) local institutions for a new HELOC, I was encouraged to review our credit report as it would effect ou r credit score which would be used to identify the interest rate we would be charged. Upon examination of my  credit report, I saw that Charter/Citizens had informed credit agencies that some overdraft lines of credit were closed while not others with the transfer of the retail accounts to  XXXX   XXXX . I was informed by local lenders that said  OPEN a ccounts would affect our  credit score.      I have personally contacte d Citizens on two occasions and with my personal (   XXXX   XXXX    ) manager   also twice. Recently, Citizens informed my current  XXXX   XXXX  manager it could do nothing unless I was sitting at her desk and I would confirm she had my authority to talk to Citizens on my behalf. We did so this a.m., afte r forty five minutes of pass-the-buck, Citizens ter minated the call. I can not be the only form er Charter One customer who 's  credit report still contains such erroneous information. All that is required of Citizens, in my view, is to inform the credit agencies that ALL these accounts are closed ; and it will not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc.

Complaint:
Experian shows that a XXXX XXXX XXXX card was opened into my account in XXXX 2022. I launched a dispute online at Experian that I don't have a XXXX XXXX XXXX card, nor did I open this account. My credit has been hurt because they are showing late payments. I will sue them for damages if they don't remove it immediately. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2022 Status Open. {$70.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX {$92.00} XXXX updated XX/XX/2022

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 2023-09-09
Product: Credit reporting 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:
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.

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 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 2015-12-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.

Complaint:
I paid a hospital bill before due date. Weeks later I received letter from a collection agency saying I owed the same debt so I contacted the hospital system with my receipt and they assured me that it would be worked out because the account was labeled " paid in full '' and subsequently closed. Later the collection agency called me to collect the same debt so I contacted the hospital again and they reassured me that it would be taken care of and would contact the collection agency to stop attempting to collect the debt. Later I was notified the the debt had impacted my credit so I contact the hospital again and they have located the payment and would investigate why the paid bill was still sent to collections. I noticed my credit had recently dropped significantly because the debt so I inquired about the investigation and the hospital representative said they have noted to investigate the payment, not the collection and recommended I come in with the receipt to help clear up the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.

Complaint:
By my mid-late teens, I had pretty much grown out of my childhood, XXXX, or so I thought. Turns out I had just been avoiding my triggers. 
While on vacation my XXXX was triggered and my oxygen saturation depleted quickly. Quickly enough that I lost consciousness and those tending to me call XXXX and I was transported to the nearest hospital ; XXXX XXXX XXXX. At the time I had 2 forms of private health insurance. For reasons unknown XXXX XXXX refused to send a copy of the bill so I could forward it to my primary insurance. To this day Ive never seen this bill & have no clue what the charges were even for. 
The only explanation I received was We dont rebill. 
No matter the effort the representatives I spoke with were adamant that the insurance companies could not be involved. All of this occurred before my XXXX birthday & I had just established credit just for XXXX XXXX to send the bill to collections tarnishing my credit from the get-go.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY

Complaint:
To begin, I am a XXXX XXXX living between my homes in XXXX and XXXX XXXX 
I do not have any USA green card, USA social security number or any other USA residency therefore my frequent visits to USA are strictly as a tourist and are limited to the time frames set by USA law. 
I am now XXXX 
I had an account which my company set up for me at XXXX XXXX XXXX  XXXX, Oregon, more than 40 years ago. This was setup primarily to receive my monthly salary. 
This then became Wells Fargo ( WF ) when WF purchased XXXX XXXX, also many years ago. 
I had 2 accounts at WF, a savings ( larger ) account and a checking ( smaller ) account. 
Over the past 6-9 months I received emails from WF advising that unless I could provide a USA address I would need to close the accounts. The total funds are substantial, all fully legal, tax paid salary etc. and saved up over more than 40 years with the same employer. 
I went to WF online some time ago and informed the USA address and linked that address to ALL accounts ( checking, savings, credit and debit cards ). The accounts have 3 names, mine, XXXX XXXX XXXX XXXX - full access ) and XXXX XXXX XXXX XXXX - person to be notified in case of my death ). 
Then last week a received an email that the checking account had been closed by the bank, no reason given. I checked online and sure enough, the account which had previously held close to XXXX XXXX was now closed with XXXX balance. There is also a note on the statement saying 'Account Closure - U.S. Residency Requirement not met '. There was no indication at all as to the XXXX XXXX  which was previously help in the account. 
I checked further and found that all 3 names and the USA address are clearly listed on bank statements for both accounts for many months so I have no idea why the account was closed. The larger savings account appears to be still active. 
Then yesterday a cashiers cheque arrived at my USA address in the amount which was previously held in the checking account which has been closed. 
So in reality the bank sent me a cheque to an address which they say they closed due to no USA address. 
This clearly makes no sense. 
I have only a single contact email address at the nearest WF branch to my USA address and have sent 2 emails requesting an explanation. I put a tracker on the emails so I know they were received. No response at all, totally ignored. 
I have various screen shots of all this and these are all available on request. 
Thanking you in advance, 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 2021-10-06
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 gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the aguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation