hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint:
My name is XXXX XXXX and I have been with citi bank for 3 years and they closed my account on XX/XX/14. They said it was fraudulent activity on my account but they are not being specific about it. They sent me a letter saying it will take up to 30-60 days for me to receive the funds that I had in my account. The funds I had were for me to pay my car. Now I lost my car and I am about to loose my job. I am a single mother and I have no help with transportation. Citi bank stated that they are a trustworthy bank. They failed and they are holding my funds. 30-60 days I will have been lost my apartment. I am about to loose my job. Citi bank can not be trusted. How can any company hold money that is yours without a detailed explanation. I need help on getting my funds asap. And I want to sue Citi bank on failure and lack Of communication.

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 2023-08-08
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:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX  XXXX  Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$540.00} XXXX All these above references were removed from my report, and as of yesterday they were put back on

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 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.

Complaint:
In reference to XXXX ID : XXXX. 

I in fact am not responsible for the charge below : Date : XX/XX/2022 Amount : {$600.00} Description : XXXX XXXX XXXX XXXX XXXX The merchant stated that I submitted payment using IP XXXX per Exhibit A. 

However, I did leave my pouch/wallet which contained both my cell phone device and wallet at a park while exercising earlier that same day on XXXX XXXX. I was able to retrieve my phone approximately 45 minutes later from one of the park workers. This transaction takes place the very same day. My phone and debit card were compromised. 

Per Exhibit C shows my actual IP address which does not match the one provided in the merchants response. 

XXXX XXXX states I have one transaction with recipient XXXX XXXX. When looking at my transactions for XXXX XXXX historically I have a repeated history with a select few XXXX XXXX recipients with transactions {$200.00} or below. This {$600.00} transaction with a recipient I have no clue who this is, is not my normal transactional pattern. Nor am I able to contact the recipient as XXXX XXXX stated in Exhibit A because this recipient is not a peer and I have been unsuccessful with getting any response. XXXX XXXX needs to do their due diligence and hold the recipient XXXX XXXX responsible and stop dispute with myself and my bank. 


Exhibit D shows that I provided the information requested from Citi Bank to which I responded : Neither I, nor anyone authorized by me, made this charge or received any benefit. 

Hence, as the card holder I have provided all requested information from CitiBank and have fully cooperated in this matter.

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 2022-08-16
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 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 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 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 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 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 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 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY

Complaint:
I keep getting phone calls from American Express for a debt and credit card that belongs to my niece. My niece does not live here, they have been told this and told to stop calling. The person from the company said they got my name off of her credit report somehow, not her account because my name, my address and phone number are not in any way associated with this account. They are divulging her personal information to me which they should not be. They are disturbing my sleep pattern as I work night shift. I feel personally violated as they keep calling me for her debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
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: EQUIFAX, INC.

Complaint:
I am a victim of Identity theft, XXXX XXXX XXXX  has a fraudulent credit card on my acct. XXXX XXXX and XXXX has a fraudulent loan on my profile and lastly XXXX XXXX XXXX is reporting a Fraudulent charge for someone unpaid rent. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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 account numbers listed below 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. These entries are not authorized and incorrect : XXXX XXXX XXXX ( Original Creditor : 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 XXXXXXXX These entries are inquiries that were not approved and i did not give my consent 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 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 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Act XXXX XXXX  account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, I XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681Section 604 A Section2 : It also states a consumer reporting agency can not furnish a 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 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint:
I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
Upon my early review of my credit report. I noticed hard inquires for credit that I did not apply for

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 2023-04-11
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: AMERICAN EXPRESS COMPANY

Complaint:
Im a new american express gold holder and purchased a flight through their travel website. 
I wanted to change my return flight and called american express travel. The agent claimed she had an issue accessing their system and told me she would call me back to comfirm the change and fees charged. She never called back nor sent a confirmation email with the change and a week later, I call them again to change my ticket, the agent nevet told me that the other one already changed it and she still gave me my initial return date as if it was never changed. I asked her to change the date and she did and charged me thhe fee. A week later, I find out that the fee was charged twice and that the first agent who never confirmed the change did it already. I called AMEX to help me dispute this charge, and to my surprise they refused claiming that the first agent called me a left a VM. This is ridiculous, because I never received a VM and this not the professional way ofconfirming such change, besides I never received a confirmation email. Furthermore, the second agent should have informed me of the change and not confirm that my flight was still leaving the initial day I wanted to change. This is obviously a FRAUD allegedly committed by Amex because the travel agency is affiliated with them. They still refuse to refund me the first fee when their agent ( all from overseas who dont seem trained ) messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: C/C Financial

Complaint:
I established an agreement in XXXX to make payments via auto draft monthly. I was invited via email to take advantage of some payment arrangement options. I called in XXXX to accept the arrangements and make the payment requested. The first payment was made on that call. I opted in for the payment to be auto drafted from the account as they required. The collection calls and emails never stopped. Even after I made the payment in XXXX the company sent another collection email during the same month. The company send emails and calls me as well as my references weekly. I called into customer service and stated that if I'm currently in compliance why are the collection efforts continuing. I was advised that it's on auto dialer and there's no way to stop the calls and the only thing she could offer me is removing my references. I asked for a supervisor or member of management and I was told that there is no one available and I'd have to wait for up to 48 hours to be called back depending on what the issue is. I asked for a email or point of contact to request a resolution and I was advised that the option requested is not available. In addition to the continued collection attempts the company is reporting my account as late to the credit bureau monthly. They have reported my payment as being late to the credit bureau for XXXX as well as XXXX and the company has auto drafted my account on the date selected both times for payment as they required per the agreement.

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 2021-10-02
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:
I have a XXXX/XXXX XXXX  account what has been reported as a charge off every month since XXXX. Every month it has reported 30,1 60,1 90 1 days late for XXXX and Experian and the last month it reported that was XX/XX/XXXX. I just updated my smart credit and for XXXX its reporting 30 1, 60 1, 90 37, for XXXX and its reporting 30 1, 60 1, 90 3, for Experian! I just updated it for XXXX and it say 30 1, 60 1, 90 1, for Experian and 30 1, 60 1, 90 38, for XXXX. How did it go from XXXX 90 days late in XXXX to 38 90 days late in XXXX in 3 months??!!! Also All 3 are reporting wrong dates for date of last activity!

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 2017-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XX/XX/XXXX - account deleted from credit report. ( Disputed for having no knowledge of account ) XX/XX/XXXX - debt ( {$1200.00} ) reinserted without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay this debt ) XX/XX/XXXX - debt ( {$1200.00} ) sold to another collection company. Reinserted debt without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay this debt )

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 2021-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I sent certified letters to XXXX, XXXX  and Transunion post marked XX/XX/2021 and received return receipt on XX/XX/2021 regarding the validity of 4 accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received a response from any of the credit reporting agencies, these items should be removed immediately Best regards,

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 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.

Complaint:
I contacted Ally Financial about my auto loan that I fell behind making payments on during the pandemic. The car was repossessed after missing one payment, Ally Financial called me several times after repossessing my vehicle, harassing me to pay them. I explained the situation that I was in due to the pandemic and losing my job due to company closure. I called Ally a couple of months later asking how I could resolve the issue, they explained that they already charged the vehicle off and they have no record of the car being repossessed. This has damaged my credit as they have it on my credit as a charge-off, and now I have been without a vehicle for several months causing me to struggle with finding a job, and resulting in my hardly being able to pay my bills. The loan was halfway paid off when they decided to repo the vehicle. I owed XXXX on a XXXX loan.

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 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint:
I was getting off hang up Miss directed or solitary unknown transactions fine basically I want to go through or have you guys go through to see if he's okay

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 2020-08-10
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: Resurgent Capital Services L.P.

Complaint:
I have a loan with LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ), XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX   XXXX  ( Original Creditor : 11 XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ), XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS

Complaint:
LexisNexis reported wrong credit information to my XXXX XXXX. I called LexisNexis twice and I emailed them to get a copy of the report they summitted with wrong information ( XXXX Reference # XXXX ) and my must recent credit report that I am entitle to see. They have denied both reports even when I have provided all my personal information including SSN, Date of Birth, Address, etc. 

They always claim that they need more information from me and because of that, they are not able to process my request. The information that they are requesting on the letter sent on XX/XX/2022 I have already gave it to them. 

Their inaction to provide me with these reports are costing me more money due to an increase of insurance premium due to their negligent action of summitting a report with wrong information and not taking action to provide me with these XXXX reports so I can fix it. 

My consumer number is : XXXX. 
My Case number with LexisNexis is : XXXX. 
The XXXX reference number from the report with wrong information is : XXXX. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Remitly, Inc.

Complaint:
I have filed several legitimate disputes about issues with purchases but XXXX has not always properly investigated them or says that they have done so but actually have not. I have asked for information on how they came about these decisions but they have not provided information. I believe XXXX is violating my XXXX XXXX rights to dispute transactions for some reason and this isn in violation of both federal law and state laws for California.

Company response to consumer: Closed with monetary relief