hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: KY

Complaint:
ComenityXXXX allowed me the card of XXXX. I used XXXX of the card and they closed the card themselves. Also the comenity card which was way fair will not work with me. I have became unable to work and have begged them for a hardship program because I have applied for XXXX and they will not help me. I ask them to close the comenity card and theyve not yet done so and Ive paid and paid on this card and not getting anywhere. I read reviews on the XXXX  page and the reviews are bad! I have ask and begged to the point I dont know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CO

Complaint:
Received a phone call from XXXX XXXX at XXXX on XX/XX/22 for case XXXX. Left messages. His recording states that calls will be returned within 24 hours. No response. 

Phoned Elan credit card disputes department again on XX/XX/22 and agent stated that the dispute would be escalated due to no response.

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 2022-05-23
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed
Company: Accelerated Servicing Group LLC
State: MO

Complaint:
Repeated attempts to collect a debt already discharged in bankruptcy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Product: Student loan 
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged
Company: AES/PHEAA
State: AL

Complaint:
Someone needs to do something about American Education Services ( AES ). I do not understand their purpose other than this company is operating similar to a payday loan company. Even though I have verified that I am on XXXX, AES continues to increase the interest every month, and both loans of {$3300.00} each which total {$6600.00} has ballooned up to {$17000.00} ( see attached statement ). Why is the Department of Education allowing this thievery? When a student contacts the Department of Education it only hears " crickets. '' AES will not make adjustments to their loans for XXXX students as XXXX. They are sticking to their guns -- making money. From its actions, AES does not expect this student to ever pay off this loan because as the interest rate increases, this student is getting older ( at XXXX years old ) and income will continue to decrease. AES refuses to accommodate XXXX students other than a decrease in graduated payments. No decrease in interest rate, no adjustment in loan amount, no change in payment classification ( graduated payments ), etc. as XXXX. This student has limited income and even though AES has decreased the payments to {$50.00}, the interest continues to accumulate and the loan amount increases. At the rate AES is going, in 20 years the loan amount will be almost {$50000.00} for a {$6600.00} initial loan. This student 's original payments were {$74.00} two years ago and kept increasing up to {$89.00} until I made AES aware that I am on XXXX. In response to this awareness, AES only decreased the graduated payments to {$50.00} a month with continued increase in interest to assist the student. Where is the logic?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint:
I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is an account which has been discharged and dismissed under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. I was unaware of the account on my file until I wanted to get an update on my scores

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 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: Colony Brands, Inc.
State: KY

Complaint:
I had to make a down payment before the item was sent I received the item it was broke I sent the item back have yet to receive any kind of credit and have also made several payments without it showing on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint:
I have had problems with the credit reporting agency removed the items off my report and allow a company to put it back on Equifax i was a victim of identity theft and i have sent them so many documents proving all this over and over the company is XXXX and they sold the account to a collection agency and the information is not mine they took it off twice and it is back again also XXXX XXXX same issue they dont have my social in there system only my name. XXXX is on all three report im so tired of waiting on them to put it back in despute over and over this is not fair and they are not doing things according to the fair credit act. And XXXX  has inquiries on my report from identity theft and they date back XXXX year i have sent all documents in I want them removed. This is too much stress to much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Product: Checking or savings account 
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: Square Inc
State: TX

Complaint:
I received a sum of money ( {$4300.00} ) on my account, right before cashing it out, my financial institution closed up my account, I complained and mailed but no help and Im seriously i need of funds These all happened on Monday XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Product: Debt collection 
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A.
State: WI

Complaint:
This issue began when XXXX XXXX XXXX, a debt buyer, purchased or otherwise acquired a disputed account from XXXX XXXX. I have requested numerous times that XXXX XXXX verify the debt owed with documentation ( not their bills which proves nothing ). 
I have requested documentation in compliance with the FDCPA and according to the FCRA. These requests have fallen on deaf ears and no such documentation has been provided by them. 
I further have asked for method of validation used to determine accuracy. I asked for an itemized listing of charges/debits and an affidavit. these documents were not provided and the company is using my SSN and other data to report this on my consumer credit files. 

I was contacted from Messerli & Kramer PA on behalf of XXXX XXXX XXXX and informed that I am being sued for damages pertaining to a {$1200.00} debt. the paperwork states that I am to present myself in court, or to pay them a settlement. 

I find it unethical in the extreme that I am dismissed and then sued, and pressured to hire attorneys which I can't afford, or waive my rights and agree to pay them for an account I challenge and do not recognize. I am an older woman and do not have access to legal representation. I need assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Tags: Servicemember

Complaint:
Re : CFPB Portal XXXX Re : XXXX My dispute was sent thru CFPB Portal and was received by TransUnion credit bureau XX/XX/XXXX with an interim response on XX/XX/XXXX. 

On XX/XX/XXXX they responded with a response and closed investigation. 

This delayed response, 41 days, that is beyond the FCRA required 30 day of Due Process requires the CRA to remove requested data from my Credit Report. 

I now request a new copy of my credit report with deletions and updates. 




I feel I have provided more than the required amount of time allotted by the FCRA for this dispute and NOW I am demanding this incorrect information be removed from my credit report. 

Please provide my NEW corrected report with the required deletion this week.

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 2021-07-03
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem
Company: Synovus Bank
State: GA

Complaint:
My bank is taking full advantage of unemployed people. I have a transaction that I tried to stop. I was waiting for my unemployment direct deposit and noticed that my credit payment was automatically coming out. I tried to stop the automatic debit but was told that the transaction cant be stopped, I called my bank and I was told that they cant blockage transactions I had to wait for the charge to hit my account, once the chats get hit my account I called my bank again and was told that nothing can be done because it was pending. By then I was finally able to remove my banking information from my credit card profile. My bank charged me XXXX over draft fees and when my unemployment came in I had to pay XXXX {$36.00} fees. This should be illegal because I desperately tried to alert my bank to no avail and most of my unemployment check went to their fees. Im a single mother of XXXX and couldnt pay a bill because of this. This has happened more then once at this bank. Even if I call them and they refund transactions I swear within a couple of days they are back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account
Company: AMERIS BANCORP
State: NY
Tags: Servicemember

Complaint:
I am writing about ameris bank and manager XXXX XXXX who was let people inbesele XXXX   XXXX in and out of my account I had fought and I had taken a bank check for the money I had from social security fraud that XXXX XXXX was doing with XXXX XXXX in XXXX XXXX county XXXX Florida and now i'm in XXXX XXXX and my credit dropped because of ameris I a a credit card that was insured on my account which had the money on u bank insured for XXXX I am XXXX and I can't have that much money in my name so I had to take it out to prove what has been going on with my accounts I had 2 with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 {$5000.00} XXXX XXXX XXXX {$510.00} 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint:
XXXX XXXX XXXX responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and Equifax both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00. XXXX states they manually updated my correct Balance. You will also see in the screenshots that Equifax just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Tags: Servicemember

Complaint:
A check in the amount of XXXX was deposited into this account On XX/XX/XXXX. Our company name was XXXX XXXX XXXX. Our trade names are " XXXXt '' and " XXXXf XXXX element ''. The landlord wrote the check to one of our trade name " XXXXt ''. 

Unfortunatelly that's where went wrong with this bank. they put a hold on the money right away and said they are doing fraud investigation. They never asked any material from me and every time i called, they would say it should be done soon. 

Then suddenly on XX/XX/XXXX. The money was withdrawn from my account and my account was closed. they didn't even give me any clue where the money went. they just say it is their policy the money was sent bank to the original landlord. the landlord didn't receive them at all as recently as XX/XX/XXXX. 

They behave so badly that every time I called, they just repeated the same answer. the money was returned to landlord but they don't know how and when. 

Landlord said they don't receive it, I am just a hopeless regular person who spent over XXXX XXXX asking for his own money. I really wish someone who know the case to sue them for their reckless and careless act. 

Please request all the video records that I had with them. I am very polite while they just treat people so unfairly, especially towards minorities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-10
Product: Debt collection 
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd
State: VA

Complaint:
I had an on-duty injury as a firefighter for the City of XXXX Fire And Emergency Services on XX/XX/17. The city did not pay the bill or did not pay in a timely fashion. I have had a debt collector come after me and erroneously report to the credit bureaus that I did not pay the bill, a bill that I was not responsible for paying. 


It is my understanding that what those debt collectors are doing is illegal under Virginia Law. The debt collector is XXXX XXXX XXXX XXXX. The contact on the credit bureau is I was transferred to an offshore ( XXXX ) when I called the creditors number. I was told that the the client was XXXX XXXX XXXX and nationwide recovery system. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint:
I mailed of a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal 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 non-monetary relief
Consumer complaint received 2021-02-11
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OR

Complaint:
This is a follow-on to an existing complaint about ALLY BANK which I have already on file. On XX/XX/2020 I attempted to electronically withdraw a total of {$500.00} from my account which the bank had already sat upon for nearly two weeks after deposit and one week after clearance. These two deposits were less than the amount of supposedly cleared funds in the account and there were additional funds deposited and " on hold ''.

Ally Bank is flagging each of my check deposits from three different sources, including another actual Institution ( XXXX XXXX  XXXX by claiming to have " information that indicates the check may not be paid. '' Checks were issued from XXXX XXXX ; a business that I have received checks from numerous times with no problems ; and one of my own personal checking accounts which has more than adequate funds to cover the amount of check XXXX {$1000.00} XXXX. 
Both of my attempted electronic transactions were rejected by Ally Bank causing the recipient institution to place a freeze on my account at that institution, thereby causing me economic harm directly and indirectly. 
This practice of, in my opinion, unlawfully holding funds for an unreasonable time results in potentially millions of dollars accruing to ALLY BANK from interest payments that would otherwise be credited to the accounts of its customers, not to mention the fees and penalties that customers may have incurred due to their reliance upon the availability of their 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