hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-08-20
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: EQUIFAX, INC.

Complaint:
Equifax continue to report inaccurate information on my credit file. Remove these items from my credit file. 
Collections : XXXX XXXX XXXX XXXX please remove. never signed a contract or made any agreement. 
XXXX, XXXX, XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
Inaccurate acoounts : XXXX XXXX XXXX XXXX XXXX please remove late payments. never was late XXXX/XXXX XXXX please remove late payment. never was late XXXX XXXX XXXX pay for delete account. please remove XXXX XXXX XXXX XXXX please remove late payments. never was late

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
file ftc report on fraud account ftc report number XXXX sent to all three credit buearu they removed account from derogertory and placed it as closed but derogertory would like account removed and blocked company name XXXX XXXX DATE OPEN XX/XX/2015 AMOUNT THEY SAY I OWE {$420.00}

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 non-monetary relief
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FULTON FINANCIAL CORPORATION

Complaint:
Fulton Bank has repeatedly allowed XXXX XXXX  to withdraw funds from my account despite the fact that I have told them that the withdrawals are fraudulent and not authorized. 

ON XX/XX/20 I informed Fulton the there was a fraudulent withdrawal from XXXX XXXX  for {$3.00}, and filled out paperwork to dispute the charge. I informed them that they should never allow any withdrawals from XXXX XXXX, as I do not have any accounts with XXXX XXXX. Now there is another fraudulent charge from XXXX XXXX, of {$6.00}, on XX/XX/XXXX. 

I sent a secure message through the web site a day or two ago when the charge was still pending, and told them not to allow the charge. They ignored me and allowed the charge to go through. " XXXX XXXX '' informed me that I had to pay Fulton {$33.00} for Fulton to prevent such fraud in future, and I had to come in and fill out a form to dispute the charge - despite the fact that the country is on lockdown and other banks permit electronic disputes of charges. It is not only an unnecessary inconvenience to come into the bank - it is a risk to my health and my life.

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 2020-12-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY

Complaint:
My name is XXXX XXXX. I write in reference to my American Express serve card. Ive used it for years without incident. My salary is loaded onto the card, XXXX $ after taxes every two weeks. My card was on me in NJ when I received texts about decline fees. 
I checked my account and XXXX $ had been taken moments earlier at a cash machine in XXXX. My card was skimmed at the XXXX store that has no fees to withdraw. I filed a fraud complaint certain serve would credit my account for the money stolen from me. They denied my claim and claimed no evidence of fraud. I researched the company and found many similar stories. Serve is not investigating the claims fairly. They are allowing my money to be stolen. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
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 am a victim of identity theft, as I have already notified Experian of this information thru my membership with them.

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 2023-01-28
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:
XXXX XXXX am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Former : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Monthly Payments made on time/ Was Never Late XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

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 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP

Complaint:
Had a heated conversation with bank manager about policy, the next day i was called from another bank manager and we decided to end our relationship.I was told ant the end of the month my acts would be closed.The next day i went to close and pick up my money i was told my acts were closed the day before and checks were sent out fed ex tracking number would be available the following day.the next day i was told the checks went out XXXX and tracking number would be available the next day. the next day i was told the checks went out first class mail and wait 5 days if they would come.it is now 3 weeks later and the crippling effects this has had to me and my business by not having any of my funds, personal and business.has to be addressed.i never knew banks could steal all your money with the excuse of one of the oldest lies in the book, The check is in the mail. HELP

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 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY

Complaint:
Wells Fargo Dealer Services was paid in full, they were only paid late because of their insurance and its ineptness not due to any fault of my own. They have refused to fix the status of the account for years. 

I am simply asking now to be accurate across all 3 bureaus. My issue is with XXXX who shows this debt is unpaid when it was paid IN FULL!

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 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NRA Group, LLC

Complaint:
i disputed incorrect items on my credit report and its past 30 days and i havent recieved and results from this investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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 have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX and Equifax end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
There is incorrect information on my credit report.

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 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY

Complaint:
My complaint is with TD Credit Card. My husband XXXX XXXX closed his credit cart out on XX/XX/XXXX over the phone. We asked for the balance we paid {$1300.00} by check over the phone. Well it hasn't stopped since they keep telling us there is a payment of XXXX dollars due. This has been going on for over 2 years. We have not had the credit card since XX/XX/XXXX however even after we closed the account new charges have been appearing. It is harassment at this point ... Every time they say the credit card is closed out a new bill with a different amount shows up. If we closed out the account in XXXX and paid out the full amount in XX/XX/XXXXit should be done. They are ruining my husbands credit. I have a reference # of XXXX for XX/XX/XXXX of XXXX which we paid on that day for XXXX XXXX XXXX even though we had closed the account in XX/XX/XXXX. The call was taken by XXXX XXXX. She said the credit card was closed but it was not!!!!! 
XX/XX/XXXX I got a letter saying it was closed. XXXX XXXX XXXX should not have been charged! 
XX/XX/XXXX they say I owe XXXX we pay it. They say it is now closed. 
XX/XX/XXXX they say it is closed and we get a conformation letter XX/XX/XXXX they say I owe XXXX XX/XX/XXXX they say now I owe XXXX dollars A complaint was filed to you and you handled it and it was done. Now more than a year later ... 
XX/XX/XXXX I get another one saying I owe XXXX dollars!!!!!!! I want the harassment to stop!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Mobiloans, LLC

Complaint:
I have had someone steal my identity to use it for mortgage, medical, airlines that I'd never use I've never been there, wrongful debt collection.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS)

Complaint:
On XX/XX/XXXX I made a purchase at XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, IN. In the process of checking out the sales clerk was having a problem getting our check out complete. We were paying by check # XXXX. The clerk couldn't complete the transaction on his machine and flipped us over to another. He completed transaction on machine # 2. Little did we know that XXXX double dipped on same check causing one to be returned. We received no phone calls from XXXX notifying us of any problem. Only to go the mailbox and find a notice from a collection agency. My wife went to the store with the letter and copy of check showing deposit in their bank. She wasn't given XXXX number in AZ. to call. She calls that number and they have no record of us making a purchase. Which when we made purchase we used our XXXX rewards card. So know we are told we have to call XXXX XXXX XXXX as they are the owner of our check. My complaint is we were notified of situation and having to do a lot of unnecessary paperwork. Then to compound matters I went to XXXX in XXXX XXXX to make a purchase. Their system is connected to XXXX and declined our payment, which was major embarrassment to my self. This whole matter could have been easily rectified if XXXX would have contacted us either by mail or by leaving a message on our answering machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
card was cleared, went to use card and account was frozen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: The CBE Group, Inc.

Complaint:
I received a called from The CBE GROUP INC in XXXX XXXX regarding a Financial Aid from XXXX XXXX. I did not know I had a balance because the Money was free for the classes I took. But the school said i was not in the other classes so that is why they were asking for the balance money. When I spoke to THE CBE GROUP INC, they said if i paid in full, they will Delete it from my Credit History. I paid off the account in full in XXXX XXXX. That is still showing on my credit history. I asking THE CBE GROUP INC and XXXX XXXX to please delete the negative from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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:
XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX  COLLECTION ACCOUNT {$500.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct. # 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 an account without my written instructions. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX  COLLECTION ACCOUNT {$790.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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 an account without my written instructions. 
XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX COLLECTION ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXXS Account Number 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 an account without my written instructions. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX  COLLECTION ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct. # 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 an account without my written instructions. 
XXXX  XXXX XXXX  acct. # XXXX Original Creditor Name XXXX XXXX XXXX  COLLECTION ACCOUNT {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct. # 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 an account without my written instructions.

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 2019-08-21
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:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in my Transunion report XXXX This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.

Complaint:
I requested that an account be validated that was on my account through Experian. Experian sent me an email in regards to my dispute and stated the account was verified. In the results of their first investigation, they stated in writing that they ( Experian ) verified that these items are being reported correctly? I was never informed as to who verified these accounts?

Experian have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it )

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 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is 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