hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I two checking accounts with BANK OF AMERICA. I have tired to close one of my core checking accounts ending in XXXX for months now. BANK OF AMERICA and it 's agents refuse to close this account. I have called the customer service line, as well as physically going into the branch and still to no avail. I was told they could not close the account because the account was negative at first. I bought the account to a positive status XXXX/XXXX/XXXX. I called and spoke to one of BANK OF AMERICA agents and requested the account be closed that very day. The agent advised me the account would be closed. I was lied to and the account is still open and now negative again. BANK OF AMERICA made an automatic transfer of {$25.00} XXXX without my authorization to my savings account and now the account is negative again. I spoke with BANK OF AMERICA agent XXXX in their New York call center XXXX/XXXX/XXXX and demanded the fees returned and this account closed. XXXX spoke with her manager XXXX and was advised they will not refund the {$25.00} nor close the account. I was told by XXXX that I would have to eat the cost of {$25.00} in order to close the account. How fair is that to me the consumer?

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 2018-10-19
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: Experian Information Solutions Inc.

Complaint:
I have received a monthly charge from Experian/FreeCreditReport in the amount of {$26.00}. My membership number is XXXX.

I no longer wish to have the monitoring service and have been attempting to cancel the service. When I call Experian, and select the Option to " cancel '', I receive a message that I have NO membership and phone call is disconnected.

I have also tried to cancel " online '', but receive no response to the dropbox selection of " cancel membership ''.

Appreciate any assistance, Thank you, 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 2020-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.

Complaint:
I had an account with XXXX for a while. Last year, I decided to switch carriers. XXXX tried unsuccessfully to get me to stay with them. I said no. After my lease was up, I was told by XXXX that in order to return their devices to them, I had to wait for their packaging to arrive. When it did not come, I called NUMEROUS times only to be told that it would come. In the meantime, they turned the bill for the devices over to Diversified Collections. I explained to them the situation. XXXX said I owed them {$1700.00} which was totally incorrect. In the meantime, they were still charging me monthly even though my lease was up and I had another carrier. Diversified threatened to show this on my credit report. I explained to them that XXXX never gave me credit for the devices and they were charging me monthly, in error. Diversified said XXXX never received the devices. After I produced the paperwork from XXXX stating they had received the devices, they changed the amount I owed them to {$980.00} which was still incorrect. I told them to correct the mistake on my Credit Report. They asked how much I would settle with. I told them at most, {$200.00}. I told them to send me something in writing confirming that if I paid them {$200.00}, they would consider the debt paid in full. They said no, send us the money of things will stay the same. This collection account hurt my credit score and is causing me misery and they refuse to have XXXX send documentation supporting their claim of this ridiculous amount of money they claim I owe them. Diversified has the most unprofessional, rude, inconsiderate agents I have ever come in contact with. They are wrong and I would like for something to be done and have them reverse this erroneous information from my credit report. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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:
In XXXX we filed a ch. XXXX bankruptcy which was paid in full as agreed and discharged in XXXX of XXXX. We had 3 accounts with XXXX XXXX XXXX XXXX included in the BK and those loans were satisfied via the BK but in XXXX of XXXX after our discharge date they started reporting us 13 times late 90 days. This is a violation of the FCRA and I have notified them several times including in XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. Each time they correct it and then report it again the next time my credit is checked. This needs to be fixed permanently.

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 2023-07-26
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 did not initiate these Accounts and I believe they are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
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 have made many many complaints to CFPB on XXXX for fraud and identity theft in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid XXXX. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.

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 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I have reached out to the three different credit bureaus for them to update my address correctly and they still have not completed this information. I have sent in numerous documents to correct my address and they have refused to change 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 non-monetary relief
Consumer complaint received 2023-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.

Complaint:
Original creditor and credit agencies unknowingly and had no authorization to share my information to misrepresent me on a credit report and hinder my livelihood.

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 2018-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/2018 I requested information on how and why my dispute was denied. I never got a response back after several more attempts to get the information. On XX/XX/2018 I called Experian again and the supervisor named XXXX said Experian the credit reporting agency will not send me a written notice that includes the name address and phone number of the information provider, clearly violating my rights under the FTC. I even explained this to her but she still refused to give me this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc

Complaint:
I was sent to collections with Hunter Warfield for a huge amount not owed. 

They are trying to charge me with : {$750.00} for cleaning costs for damage *not* done to a property even though I'd already paid a {$500.00} security deposit to cover those costs when I moved in {$990.00} for a month I didn't even *live* on the property and I'd given notice to vacate after an armed burglary on the property which forced me to move. 

I sent the company the documents showing the police report and notice to vacate, as well as the account ledger. 

They are now trying to get me to pay just the {$750.00} for cleaning costs that shouldn't have even been applied to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc.

Complaint:
I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written VOD from both of the collection agencies/law offices and the original creditor. I requested VOD over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my CBR as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my CBR immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : 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 explanation
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc

Complaint:
I opened a checking account with Chime Bank in the fall of XXXX. I also signed up for direct deposit for my monthly Social Security XXXX check. 
I had used the account for several months when I was unlawfully arrested in XXXX  on XX/XX/XXXX. 
I was avle to clear my name and was released on XX/XX/XXXX. 
During the time if my XXXX  my identication was taken over by squatters that had illegally moved into my home. 
They stole all my personal belongings as well as my credit, debit, and gift cards. All my bank accounts had been emptied out and every XXXX of the month they were able to withdraw my money since I couldn't contact the bank while in XXXX. They used my name and ID to try to cash checks open other a counts and buy whatever they wanted. They changed phone numbers emails and passwords so they could get into my accounts. The bank never red flagged my account While in XXXX  I would able to contact the XXXX XXXX XXXX and filed a police report.T Their hands were somewhat tied until I got out of XXXX. 
The investigation continues and several suspects have been identified. 
When I was released from XXXX  in XXXX I contacted Chime by phone to discuss the fraud that had taken place. There were {$7200.00} dollars in fraudulent charges I filed a fraud statement for the transactions from XXXX until XX/XX/XXXX, the entire time I was XXXX  5 days later at the end of XXXX. Chime unexpectedly closed my account and I could no longer reach them by phone only email. 
I wrote over XXXX emails to them showing documentation and stating that it is impossible for me to have used my account because I was XXXX. I never gave anyone permission to use my card whatsoever They stated that there was no unauthorized use of my card and denied my claim no real rreason. 
I provided documentation of XXXX  and police reports. 
My claim was still denied. 
O asked for documentation on how they came to this decision and they refused to provide it. 
They stated my behaviors and patterns indicate that there is no claim. Really? How did I do that while in XXXX? They also stated they have statements. Again ... XXXX This is the most absurd and misunderstanding of bank power I have ever heard of I am truly a victim of ID theft and have been trying to resolve it since this happened. I am XXXX and on fixed income. They allowed criminals to victimize me and turned around and victimize me again Please help me hold them responsible for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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: BB&T CORPORATION

Complaint:
XX/XX/18 Regional Acc made an unauthorized, fraudulent hard inquiry to my XXXX  report. Attaching my police report for related identity theft/fraud. XXXX  instructed me to contact each company making fraudulent inquiry on my report individually.

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 2023-08-24
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 not liable for this debt with XXXX XXXX XXXX XXXX for {$980.00}, I do not have a contract with the collection agency, they did not provide me with original contract as I requested. Ive recently in the month of XXXX ask for debt validation from the debt collector and they refused to provide it. According to Law violation 15 U.S.C 1681G, I asked if they could validate this information and they refused. I ask to validate the information below : Please provide me with the original purchase agreement here.

A breakdown showing proof that Im liable for this debt with my name/signature showing Im going to pay {$980.00}.

A contract between you and the original creditor.

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 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.

Complaint:
The company IC sytems stated i owe XXXX XXXX {$1600.00}. I called asking for specific dates and they were unable to give me specific information. The rep XXXX XXXX from IC Systems said it was a bill from XXXX  and i have been in XXXX XXXX. She didnt have any information on payments and didnt have address on file just my current address which is my XXXX  address . Im trying to clean up my credit report and have a record of ontime payments, im not sure of where this outstanding bill is coming from and would like it resolved and investigated.

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 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY

Complaint:
American Express aggressively campaigned for existing members to add an interest bearing credit account to their traditional legacy charge cards. The terms included accessing a late fee if you were 30 days past due on your account which was consistent with their charge card policy. 

Now in the middle of the Coronavirus pandemic and financial difficulty for all, AMEX is looking to capitalize on everyones misfortune by Informing cardholders on their XX/XX/2020 statements that they are changing this policy to start charging large late fees IMMEDIATELY when minimum payments are not received by the due date, essentially 30 days earlier to what it was. 

Not only is this an underhanded stab at cardholders, it is a cruel, cold, and calculated way to profit from the misfortunes caused by the Coronavirus outbreak!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my 2nd complaint asking XXXX  to update my TransUnion credit report information because Ive made payments all this year ( XXXX  ) but my TransUnion credit report only shows one payment for this year XXXX and thats XX/XX/XXXX paymentif XXXX  is not going to update or report all my payments, Im asking that they refund me the monthly service fee of {$14.00} for each month they have not reported/updated/reports/update my TransUnion credit information which would totally {$100.00} for each month that has not been reported ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & 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 explanation
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY

Complaint:
I have reported Nordstrom to XXXX, XXXX, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XXXX 2018-present. I have even sent validation letters to Nordstrom and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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 response to complaint # XXXX 1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 


2. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.

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