hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-08-31
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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint:
I first contact Capital One regarding the issue when I received a credit monitoring alert from XXXX XXXX stating that there was a 30 day late reported on my credit report for $ XXXX 2020. I knew this was incorrect when I had just made a payment of {$81.00} for XXXX I looked into the matter immediately by contacting Capital One and speaking to one of their representatives to find out what the problem was. The representative stated even the payment was made on time I failed to make the whole payment that was due of {$96.00} vs. {$81.00}. The difference of {$15.00} was for late payment which I was not aware of. I always go by what payment is due on my Capital One app and the day I made the {$81.00} for XXXX that is what it stated. My monthly payment practice has been what is on my Capital One app and has been for as long as I have had the card. 

The Cap One rep explained to me to contact the credit report agencies and make a dispute through them. I did this and Capital One denied my request to change my credit report. 

I wrote them directly and asked them to change it and they denied that request also. 

I have included supporting documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
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: Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA
Tags: Older American

Complaint:
XXXX claimed that XXXX XXXX XXXX reverse a fraudulent charge of {$86.00}. XXXX did not reverse the charge. I closed my XXXX card XXXX XXXX XXXX XXXX. 
XXXX placed a {$86.00}, reversal of the fraudulent charge credit XXXX granted me while XXXX investigated my claim that XXXX made this charge fraudulently. I received a letter from XXXX stating that XXXX agreed to reimburse my XXXX card for the {$86.00} Fraudulent charge. XXXX then reversed the fraudulent charge credit, placing this as a fee, on my XXXX card, even so this card was, at that time, already closed by me. XXXX claimed that the XXXX crediting my XXXX  card would take my closed XXXX  balance to XXXX. 
XXXX XXXX not credit my canceled XXXX. Prior to the " fee '' coming due, I contacted XXXX customer service ( for the fourth time on this issue ), informing them that there was a demand from XXXX for me to pay this XXXX XXXX customer service agreed with me that I will not be required to pay this fee. XXXX made negative reports to all three credit reporting agency claiming that I was first 30 days, then 60 days late in paying my XXXX card. This resulted in a substantial reduction in my credit rating. XXXX erroneously though that a {$160.00}. charge I had XXXX reverse prior to this claim satisfied my claim.

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 2023-07-25
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: TN

Complaint:
XXXX XXXX Sold the debt to a debt collector. After selling debt XXXX XXXX won't remove the account. I called XXXX XXXXXXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX XXXXXXXX. Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove because they are say XXXX XXXX is verifying this fraudulent 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 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DE

Complaint:
On XX/XX/2021. I submitted a dispute to Experian to Remove/Delete a Chapter XXXX Bankruptcy Dismissed No : XXXX was place on my credit report provided by a third party XXXX Case no : XXXX & XXXX Please see Attachment. Experian has not remove or deleted this bankruptcy from my credit report base on the documentation from XXXX dated XXXX XXXX subsequently XXXX has removed this bankruptcy from there record outline by the Fair Credit Reporting Act. To the present. Experian still Certified that this information from XXXX is accurate and it remains on my credit report preventing me to obtain any credit.

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 2022-07-07
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint:
Received a call requesting payment for XXXX XXXX. I asked for verification of debt, was directed to a website that only had my name, the debt amount, and creditor info. No explanation of charges, no proof of validity. XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: Machol & Johannes, LLC
State: CO

Complaint:
Previous complaint ID :   XXXX   Previously, I had compained that Machol & Johannes had sent confidential material to a third party. Their response at the time was that they had to do so because it was required by law to send it to my physical address. However, since then, I have been able to review past court documents and can prove that Machol & Johannes VIA THEIR OWN CERTIFICATE OF MAILING that they were able to send materials to my   XXXX   XXXX   , which is where I get my mail.
I discovered that they sent this confidential information to my father right after trying - and failing - to garnish his bank account. I believe they were either trying to trick him or delay my ability to respond to the garnishment.
New complaint.
That 's related to my current complaint : They just simply did n't send the required legal notices this latest time they levied a bank garnishment. They did that on   XXXX    XXXX , 2017. I discovered via court records that they filed related documents. But this time there was no Certificate of Mailing because they did n't send me anything - I found out about the garnishment from my bank.
I have been doing research and the company has a long history of such practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: AL
Tags: Servicemember

Complaint:
My loans have been consolidated with a consolidation company and this company refuses to respond to the consolidation people. I tried to explain to them that I was struggling financially so i entrusted a company to pay my bills for me so that I can at least have money for the month, but they refuse to listen to me. They call my references daily, my job daily, my home daily and they have been putting letters in my mailbox on my property and on  XXXX   XXXX ,    2017 whic h is tonight, I heard someone at my door like they were trying to break in and it startled me because I live alone, and when I went to the door they were backing out of my driveway and they put a letter in my door after  XXXX . Ive asked them to stay off of my property but they refuse. They are scaring me coming to my house and I want this to stop. If they want their money they should work with my consolidation company and stop harassing me. This has gone too far.

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 2023-02-09
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: EQUIFAX, INC.
State: TX

Complaint:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc.
State: NJ

Complaint:
This complaint is towards Experian Credit Reporting agency And the XXXX XXXX XXXX XXXX XXXX 

I've uploaded documents and updated my consumer statement in which The credit reporting agency and Debtor/Creditor are still causing personal and financial injury towards Me as a consumer. Experian as Violating Consumer Laws Section 15 U.S. Code 1611.

It states on Experian This is your history of paying bills on time. Late payments can stay on your report for up to 7 years. This account was open XX/XX/2018 which Experian as deleted reports from ( XXXX ) and now only showing reporting dates from XXXX. And I have proof of of all reports.Therefore Experian and this Debtor/Creditor showing action of another consumer law violation section 15 USC 1681B . 

In which I gave no permission to update/Delete any information from my credit report. I Demand for Experian to remove These Negative items from my Credit report Immediately.

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 2021-07-22
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint:
Td bank is adding negative fees to my account after letting charges I ask to not accept and my account is negative right now something that's never happened to me and I just got back from XXXX XXXX so I won't be getting paid no time soon

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24
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: AL

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX and XXXX  XXXX XXXX  # XXXX 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 604 A Section 2 : it Also states a consumer reporting agency can not furnish a account without my my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint:
National Credit Adjusters Confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint:
I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2017-10-31
Product: Checking or savings account 
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem
Company: BB&T CORPORATION
State: GA

Complaint:
I opened a checking and savings account with BB and T in XXXX, Georgia. 
The bank ordered me a debit card. I never received the debit card from them so I requested a new card be sent to me. They sent me the new card but the bank accidentally attached the debit card to my savings account instead of my checking account. I used my debit card as usual ( thinking it was attached to the checking account ) and on XXXX XXXX, XXXX, I was charged a XXXX time activity fee of XXXX for excessive withdrawals/used of my debit card. I called the bank on the XXXX and the customer service agent said he could refund me XXXX. That is not nearly enough. 

I visited the bank on XXXX XXXX XXXX. I went into the bank to speak with them XXXX XXXX XXXX XXXX when I noticed the statement activity fee charge and the phone call only resulted in the XXXX credit. They immediately took that debit card saying it was a mistake, and they issued me a new debit card attached to the correct account. They said they would have to forward the issue to an upper level manager for approval to reimburse the funds. In the meantime, there had been an additional XXXX} in activity fees also added to my XXXX statement for the same problem. ( Charges prior to me visiting the bank to inform them ) Total activity fees that have been charged to me for excess use of my savings account was XXXX 

It has been XXXX weeks and I have not been reimbursed. I have called and emailed many times and no one is able to solve the problem as of yet. I did not know that the card was attached to the incorrect account, my phone app that the bank said to use showed both accounts as checking and the amount was not taken each time I went over rather it was charged as a XXXX time large fee at the end of the month so I would have had no idea there was a problem until I read my bank statement. 

This is an excessive amount of money that I would like to get back asap so I can pay my bills. Thank you so much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: EQUIFAX, INC.
State: GA

Complaint:
On XX/XX/XXXX I received letters in the mail indicating that a bankruptcy on my credit report was validated. The credit bureaus ( XXXX, Equifax and XXXX ) and XXXX XXXX failed to provide documentation stating where they are validating their information. The XXXX XXXX XXXX Georgia verified that they did not provide any information to third parties regarding any bankruptcy in my name. In addition, they validated that placing public records from PACER onto an individuals credit profile is illegal and UNJUST. According to the Fair Credit Reporting Act 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. Investigation must include providing documentation and/or proof of the process in which information is validated. My rights are currently being dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint:
I had accumulated {$14.00} in 'Rewards cash ' on a Wells Fargo CC , but while the account was still open, I no longer had an actual card to actively use the account. In XX/XX/2019, I received a letter from WF informing me that - if I did not use the card again within a specific time frame ( 60 days or so, I believe ) - WF would close the account and upon closure, I would lose the reward I had accumulated. 

Over the next several months, I called WF at least twice and sent numerous emails requesting that a card be sent to me. WF did send me a CC, but it was attached to another account I had with WF. I informed them of their error, and asked again that they send a CC for the account in question, and that they not close the account without first doing so. 

WF never sent me a CC and - in spite of their promise not to close the account when I specifically requested that they not close it - the account was closed and my rewards cash 'disappeared '. Subsequent emails requesting this error be corrected have been answered with denials of wrongdoing and rejection of my request. 

WF also uses an 'in house ' email system with customers that deletes emails after a short time frame. All emails with WF are now deleted from their proprietary system. 

I would like to be reimbursed the money that - according to our contract - I earned through purchases.

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 2023-09-08
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint:
On XX/XX/23, I mailed a letter to the reporting agencies to remove names and addresses that I was never associated with. On XX/XX/23, I mailed out the same letter. As consumer I know my rights and would like a resolution.

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 2022-04-07
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: CA

Complaint:
I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.

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 2017-07-22
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: UT

Complaint:
This account with XXXX XXXX was disputed on mine and my husbands credit report with all 3 bureus as well as XXXX XXXX ... This was disputed multiple times as no knowledge and to validate proof of debt. XXXX and XXXX verified this as not our account and that the company did not respond within the time frame. Well with Experian they came back and said validated. This was not investigated by Experian and they just came back and said validated. We never got proof that this debt is ours and it should no longer be on our experian report.

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 2023-02-03
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint:
Our business has a well funded checking account for more than two years. We have been cut off from accessing that account through credit card and debit card access. Also, we applied to Bank of America for a XXXX loan, which was granted, but after requesting forgiveness through our website login, we have received no documentation for a year. When contacting Bank of America, they claim that they have no ownership, knowledge, or any information. When calling the number that they provide, the people have no knowledge at all of any 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 monetary relief