hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-04-05
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 sent a letter on XX/XX/2023 to Experian. Here is my tracking number ... ... ... .. XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete 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 2018-08-05
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:
Transunion on XX/XX/2018 Report Number # XXXX has on my XXXX XXXX XXXX  Statement # XXXX as {$30.00} Dollars paid when there was {$50.00} paid for the month every month for the past 4 months there has been wrong amounts by TransUnion to what I'm paying and I have uploaded proof by XXXX XXXX XXXX as to why the amounts by TransUnion differ as mu other credit cards are the same issues I'm not paying as the Scheduled Payment amount.

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 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Two Bank of America credit cards were applied for in my name by an unknown person. They denied the first one when I told them it was fraud, but approved a second application 11 days later. They have since closed both accounts. These incidents occurred on XX/XX/22 and XX/XX/22.

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 2016-02-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc.

Complaint:
Doctors Business Bureau for {$240.00}. That debt has been paid and I have a letter supporting it. That debt has been in my credit report since last year and it needs to be removed immediately. Its hurting my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.

Complaint:
The car was repossessed due to financial hardship and natural disaster. The amount due on the vehicle was partially obtained through auction. The remaining amount was sold to a debt collector ( XXXX XXXX ). That remaining amount was settled, paid and issued for deletion. I contacted San Tander consumer to try and update the account with my letter of satisfaction. I requested that the account be removed from my credit report as they have managed to obtain the money owed on the car. They replied and stated they will do no such thing and hinted that I was asking them to do something illegal. They would not accept my letter of satisfaction of payment and would not work with me on the matter. I explained that if they received the money it should not be an issue to update my credit report if not a full deletion of the account. They said they will not do it. This account reflects on both my wife 's and I credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint:
I open a Citi bank account and made a couple deposits and i got my atm card and out of nowhere my account its frozen and i called and they told me that my account was goi g to be close due to Fraudulent activities which they couldn't dnt tell me but i only deposit cash i to the account so i went into the branch and i explained what had happen and that it was fine to close my account byt i wanted to get my money back and they gave me a phone number to call and i haven't had an answer to my questions yet nor my money back i called them several time s but its always the same tjing all i want is my money back

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 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
A hotel reservation was booked on XX/XX/XXXX for the night of XX/XX/XXXX with a 24 hour cancelation policy. I called to cancel on XX/XX/XXXX, within the cancelation policy but I was charged for this room for {$87.00} anyways. 

When I disputed the charge, XXXX would not refund me and Capitalone said they would not provide me a refund on their end either despite providing them the information they requested. Ive been disputing this charge for weeks and they told me they're closing it and I had to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, all by certified mail requesting that you remove inaccurate information from my file due to IDENTITY THEFT and you have failed to do so. 

I sent in documents to your company several times and I was told that my documentation did not follow your criteria, but when asked the correct criteria or what I was missing, I was told that you were unable to tell me. You also stated that the creditor validated that the accounts were valid. 

Accordingly, I can show a judge that your agency is in violation of several laws, one being 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt, no one else can state they have proof this debt is valid. I do not validate this debt and it is a result of identity theft. 

Therefore, the following accounts must be deleted from my report. that I was a victim of Identity theft and that you violated the Fair Credit Reporting Act by ignoring my requests to block/delete this information My previous letters all sent by certified mail stated my reasons and these reasons were not frivolous in any way. I filed a police report, a FTC report and contacted the CFPB to no avail. 

If this final request does not prompt you to delete the below accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC

Complaint:
I had my car towed back to XXXX XXXX, after it completely Died on me, After SO many complications with this vehicle, then i called the finance company to tell them where it was at, so they could repo it, beings i Couldn't put Thousands into the car, Plus the rest of what i owed, which was XXXX , Plud Another car payment, This was Back on XXXX, Revently, within the Last 2 weeks, the Finance company, Continues to call me, All day Long,,, i just Emailed them as Agrivated as i Am, to STOP, im hoping they do Stop, but its Westlake financial services.

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 2020-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.

Complaint:
This complaint is a follow up complaint to my previous complaint that I had filed against Citibank. Yesterday On Thursday XX/XX/2020I received a letter in the mail from Citibank which states their final results into there 90 day resolution to track down and recover my XXXX dollars plus that was stolen directly from my Citibank account they provide a paper which shows their is no authorization for the transactions and amount stole at the bottom of the paper it states if you agree to these charges and total please sign here there is no signature because I did not authorize those charges. It doesn't even make sense for Citibank to provide me with what they call " evidence '' and it proves my point that there was no authorization! That's why the company does not have my signature or approval on any of their paperwork that states the amount they stole from me. ( Attached to this complaint is the 2 pages Citibank sent to me via mail ) Citibank needs to return my money that they allowed to be stolen from me. EVEN WITH THE PROOF THAT XXXX XXXX XXXX  PROVIDE CITIBANK WHICH SHOWS THAT I DID NOT AUTHORIZED ANY OF THE CHARGES CITIBANK STILL REFUSES TO RETURN 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 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint:
I have repeatedly attempted to get the public record of bankruptcy off my XXXX, equifax and XXXX credit reports. It is severely damaging my ability to get credit. The information is not verified by the XXXX court house because I have received in writing they do not verify information with any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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 have contacted the bureau on several occasions to correct these issues and have received no response. I attempted to call and got the run around

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 2018-08-24
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: EQUIFAX, INC.

Complaint:
I notified XXXX  ( XX/XX/2018 ), Equifax ( XX/XX/2018 ), and XXXX ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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:
XXXX, XXXX  and transunion have accounts on my credit report that are not mine/inaccurate. 

accounts : XXXX Account : XXXX Investigate Ownership : I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE

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 2018-04-26
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:
The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XX/XX/XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XX/XX/XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/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 non-monetary relief
Consumer complaint received 2017-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.

Complaint:
This not my debt. I 'm victim of identity theft I submitted police report to the originally creditor. Then they sold the acccount to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : 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 2022-10-25
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:
o whom it may concern, Block and remove all information resulting from Identity Theft pursuant to 15 U.S.Code 1681 c-2 under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.

Complaint:
XXXX XXXX XXXX is attempting to collect on a debt and Negatively affecting my credit for a debt that they failed to validate by providing improper documentations from XXXX. 
I found a collection account on my credit report by XXXX XXXX XXXX ( CCS ). I disputed the debt with them and they mailed a summary final statement from XXXX. My initial dispute letter to CCS detailed that this was not a debt that I owe and I requested detailed validation to include the automobile ( s ) and policy period for which they provided coverage. CCS did not comply with my request. A simple letter from XXXX just stating the balance owed without identifying the Vehicle ( s ) covered and not including the coverage period is not sufficient to prove that this is legitimate. I sent a second letter to XXXX and they failed to respond to me. I also mailed a letter directly requesting this information and again XXXX failed to respond. It's been about 4 months now and CCS still has this on my credit report. 
I want this DELETED from my credit report, I want proper documentation to support this debt and the opportunity to investigate it and respond accordingly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation