hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2023-05-17
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint:
On Monday XX/XX/2023 at approximately XXXX I attempted to deposit my check in the atm at my local Wells Fargo XXXX The machine malfunctioned, cut off, and rebooted and took my check giving me a receipt saying it was accepted but upon looking in my account the deposit was nowhere to be found. I then went inside the branch and was told to call the number on the back of my card or wait and have a banker help me. I waited and this banker filed a claim for the missing deposit. I got an email an hour later saying my accounts is now frozen and will be closed XX/XX/XXXX due to a fraudulent check. An hour later I received a new email saying my account is being closed because of an atm deposit not matching the amount of a check. Neither of those reasons are factual nor true because the check was not even processed nor deposited. I have been sent back and forth between being told to speak to the claims department and fraud department to have the hold taken off my account because I have bills that are due and piling up, I have no access to my account nor my check and am consistently told I can do nothing and have no access to my money until XX/XX/XXXX, nearly two weeks with no access to my funds. My account was not only wrongfully frozen but is being wrongfully closed. I have no access to anything. No one is helping me. All because the atm malfunctioned I am now dealing with extreme consequences and Wells Fargo refuses to offer assistance or help me in any way.

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 2017-09-08
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: EQUIFAX, INC.
State: MA

Complaint:
Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint:
Ive had around XXXX dollars withdrawn from my BofA account. I was told that I had until Wednesday XX/XX/XXXX to pay the money. As the charges havent been reversed I can no longer pay the amount and am out of a job. There has been recurring charges every single day since the XXXX amounting to the XXXX dollars Im renting to drive and have no idea how to manage this as BofA already cleared my account as of XX/XX/XXXX and now XXXX is charging with amounts not agreed to in the contract Even if I had warranted a XXXX dollar a day charge that would be a quarter of the amount take BofA XXXX XXXX are leading people to lose money and this is a key example I do believe there is fraudulent activity involved Both the XXXX employee and investigator have said Im not in repossession

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 2019-10-14
Product: Debt collection 
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint:
I previously set up a payment arrangement with ARCI in order to address the bill that has been in collection with them since 2016. In 2016, I underwent XXXX to remove XXXX from my XXXX and had to pay my portion of the XXXX in order to schedule the XXXX. I have not been able to recover financially from that procedure. I am currently on XXXX and have been unable to work and receive a sustainable income. I called ARCI in hopes to push back my payment arrangement since I have a new procedure that I have to pay for. XXXX XXXX immediately got rude with me and refused to negotiate a new arrangement with me. She told me to wait to get the procedure and pay ARCI instead. I told her the procedure can not wait and if I wait, I could be dead and then they'll never get their money. I told her that I have every intention on paying them back, I just need to postpone the payment. She hung up on me before I could express to her that I'd have it paid by XXXX. When I called back to speak to a supervisor, I was told by the receptionist that XXXX XXXX IS the supervisor. XXXX XXXX was very unprofessional in her approach with me. I am not sure how anybody will pay someone who insults them and advises them to postpone a potentially life saving procedure just so ARCI can get their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX Dept Of EdXXXX XXXX XXXX {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX XXXX {$0.00} ; Dept Of Ed/Nelnet XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX XXXX XXXX XX/XX/2022 ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of Ed/Nelnet XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.

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 2022-10-11
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees
Company: Bread Financial Holdings, Inc.
State: WV

Complaint:
On XX/XX/XXXX, I was charged an annual fee of {$85.00} by Comenity Bank for a BJs club membership on my BJs club credit card. I had previously requested to cancel my BJs club membership as I had moved to a location where there was no store within driving distance. I received my statement in the mail and immediately called to question it. I was told it would be taken care of before the {$85.00} payment was due in early XXXX. It was not resolved by the day before the payment was due, so I paid the fee, not wanting a negative score on my credit report. I called Comenity multiple times to get this matter resolved. They finally issued me a credit, but only for {$55.00}. I asked why it was a partial refund, and no one could give me an answer. I attempted to dispute thru Mastercard, but they could not help as it was a buying club membership fee. I called Comenity again, and spoke with a supervisor who assured me the matter would be taken care of. This was in XXXX. A credit balance was placed on my account on XX/XX/XXXX, but was told the only way it could be released was if I cashed the {$55.00} check they previously sent. I cashed the check, and a week later, received notification that the credit that had been showing on my account was being deleted. I have been trying to deal with Comenity since XXXX. It is now XXXX. Please help me in recovering the additional money ( {$30.00} ) owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint:
On e  XX/XX/XXXX  my  wife and I received an email notice about a payment due on a  Capital One  account. The email was sent to my wife 's email address from  XXXX  XXXX  XXXX , but my wife does not have  a Capital One cr edit card. The email body indicated that it should have gone to another person with the same first name, but different last name as my wife.     On  XX/XX/XXXX  we called the support phone number for  Capital One t o be sure there was no fraud involved and the customer service rep told us that there was not and that it was most likely just a wrong email address or that the actual customer had potentially entered the wrong email address. We asked that her email address be taken off of their records so that we would not receive any further communications from  Captial One abou t payments being due.     Since then, we have received no less than  15 ema ils with varying degrees of urgency, personal information and balance information about the other person 's account and threats that they would seek legal action if the balance was not paid. We called back to customer service o n 3 sep arate occasions over the course of the next several months in  XXXX ,  XXXX  and  XXXX  and each time, the customer service representative informed us that they would resolve the issue and that we would no longer receive communications.     The last call we made was the week of  XX/XX/XXXX  and at that time, we informed the customer service rep that we would file a complaint with the CFPB if we received another email after 10 days of that call. Since then, we have receive d 2 more  emails, the most recent being sent today,  XX/XX/XXXX .     I am happy to block the sender and report the emails as spam, but I am also concerned as I want to be sure there is no fraudulent activity happening here. I have checked my wife 's credit report recently and there is no indication of any problems or accounts being opened that we are not aware of, but I think that it is irresponsible of  Capital One to  not resolve this sooner after we have given them months in which to fix the issue, and having been told several times that they would ensure we were no longer emailed.     Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Product: Debt collection 
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: MD

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 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 XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, Company Inquiries : 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 explanation
Consumer complaint received 2022-11-11
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint:
On XX/XX/2022, my final payment to Bridgecrest cleared my bank. I was immediately shut out of their online portal, so I can no longer see the status of my loan. Their customer service says it will be XXXX business days from the XXXX before they can verify that the payment was good and that nothing further is owed to either party. After that, they will issue a letter releasing their interest in the vehicle. In this day of instant electronic payments, how is this justifiable? I need to sell this vehicle soon, but cant even show prospective buyers that the vehicle is paid off via the website.

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 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint:
XXXX XXXX, XXXX acting as a debt collector for Hyundai Motor Finance improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc.
State: GA
Tags: Servicemember

Complaint:
A notice was sent several times to XXXX, Experian, XXXX. I humbly requested XXXX, Experian, XXXX to send me valid proof of bankruptcy and other accounts that they claim that they verified dated XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I advised them that this was not a dispute, this was a consumer permissible request. I do not dispute accounts. I give proper directions and permissible requests for XXXX, Experian, XXXX to act as an agent and correct misleading information. 

This notice was not a request for verification of the account or proof of my mailing address but a request for VALIDATION made pursuant to the FCRA and FDCPA laws. 

Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. 

I understand XXXX, Experian, XXXX are not a bureaus nor is the agencies backed by any government agency. I am aware that XXXX, Experian, XXXX are in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers.

Under these circumstances, I am aware of pursuant to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As Third party agencies, XXXX, Experian, XXXX must comply with my written instructions. I have given XXXX, Experian, XXXX written instructions to REMOVE multiple fraudulent and misinformed Tradelines from my consumer report. 

XXXX, Experian, XXXX has continued to update my report with no proof of proper verification. Also that accounts are exactly the same! I will be contacting the Attorney General in regards to the matter as well. There is no way a proper investigation was done to receive these fraudulent misinformed results! 

- XXXX XXXX / XXXX XXXXXXXX - XXXX XXXX / Account # XXXX - XXXX XXXX XXXX  XXXX / Account # XXXX - XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX / Account XXXX XXXX - XXXX XXXX/ Account # XXXX - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX  / Account # 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 2020-02-03
Product: Checking or savings account 
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check
Company: WELLS FARGO & COMPANY
State: NC

Complaint:
Today XX/XX/2020 I deposited a two party check with my name and XXXX XXXX XXXX and Wells Fargo NA from XXXX XXXX XXXX for an insurance claim settlement. The check was for {$3700.00}. 
I was told by XXXX XXXX NMLSR ID : XXXX who is the branch Manager that I would have to wait until tomorrow XX/XX/XXXX to be able access the remainder of the funds. She did not know why and had to contact someone outside of the branch to inquire what the rule or law was. She did not know what the Wells Fargo policy was and why {$3300.00} was being withheld. I believe this to be in violation of Regulation CC ( 12 CFR part 229 ) implements the EFA Act and the Check Clearing for the 21st Century Act ( Check 21 Act ). [ 1 ] Subpart B of Regulation CC implements the requirements set forth in the EFA Act regarding the availability schedules within which banks [ 2 ] must make funds available for withdrawal, exceptions to those schedules, disclosure of funds availability policies, and payment of interest. The EFA Act and subpart B of Regulation CC contain specified dollar amounts, including : ( 1 ) The minimum amount of deposited funds that banks must make available for withdrawal by opening of business on the next day for certain check deposits ( minimum amount ) ; [ 3 ] ( 2 ) the amount a bank must make available when using the EFA Act 's permissive adjustment to the funds-availability rules for withdrawals by cash or other means ( cash  withdrawal 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 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
A multitude of " Inquiries '' are listed on my consumer report that are allegedly the results of consumer credit transactions. 

I did not consent, authorize, and/ or grant permission to XXXX XXXX TRANSUNION XXXX XXXX XXXX or any other Credit Reporting Agency to furnish these inquiries on my consumer report, which constitutes Identity Theft. 

In additoin : Pursuant to 15 USC 1681a ( e ) A consumer report, or portion thereof shall not include specific factual information 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.

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