hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2018-11-01
Product: Checking or savings account 
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: SC

Complaint:
I opened a Citibank checking and savings account ( " Citibank Account Package '' ) online XX/XX/XXXX, XX/XX/2018 via their promotional link. The promotion stated that if {$15000.00} was kept in the account package for 60 days, Citibank would give me a {$400.00} bonus. They have up to 90 days to pay the bonus. I funded the account XX/XX/2018 with {$15000.00} split between checking/savings. On XX/XX/XXXX my savings account was charged a {$25.00} service fee. Their Account Package states that a balance of {$10000.00} must be maintained to avoid a fee. I contacted them on XX/XX/XXXX to inquire about the fee since I had {$15000.00} in the accounts. They said the accounts were't linked and that was the reason for the fee. I didn't understand as I have a screenshot from opening the accounts, clearly stating that it is an account package with my new checking and savings account numbers. They refunded the fee. I asked if this would affect my {$400.00} bonus and they said no, as the dip below {$15000.00} was due to their error. 

On XX/XX/2018 I received an email stating that I did not qualify for the {$400.00} bonus because " The required deposit balances were not maintained during the offer period ''. I immediately contacted them and they opened a bonus dispute inquiry on XXXX. I heard nothing and then contacted them on XX/XX/XXXX, where they said the problem was top priority. On XX/XX/XXXX I received a secure message that the bonus was denied. I opened up a new bonus inquiry on XX/XX/XXXX. I have heard nothing. 

The interesting thing is : my wife opened up the same Citibank Account Package at the same time using the same {$400.00} promotional URL. Her account was also incorrectly charged a {$25.00} fee on XX/XX/XXXX, causing it to dip below {$15000.00}. She opened a bonus inquiry on XXXX as well, and she received the {$400.00} bonus on XX/XX/XXXX. There is nothing different between these two situations. Why I am not getting my bonus because of Citibank 's error?

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 2022-04-15
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: EQUIFAX, INC.
State: VA

Complaint:
On XX/XX/2022, I discovered that Equifax had an incorrect birth date ( XXXX ) on my account instead of my actual birth date ( XXXX ). I informed Equifax of this error. To correct the problem, I was required to send Equifax copies of my birth certificate, driver 's license, social security card and U.S. passport. The Equifax online portal would not allow these documents to be uploaded - I had to mail these documents to Equifax in XXXX, GA. 

I mailed these documents as evidence of Equifax the following day, XX/XX/2022. 

Equifax closed the dispute on XX/XX/2022 without waiting for the documents and did not correct my birth date. 

Equifax continues to put incorrect information into consumers ' credit files without verifying this information with the consumer... but then expects the consumer to regularly check Equifax 's records and go through excessive steps to correct Equifax 's mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint:
The company has not credited the full chargeback amount of XXXX from XX/XX/XXXX paid to XXXX XXXX even though they have admitted that the company charged me the wrong amount and I have supplied them abundant evidence for chargeback reason code XXXX that the product or service was damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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: Experian Information Solutions Inc.
State: OH

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX DOB XXXX SS XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting a 30 late payment after I requested assistances due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process

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 2020-10-12
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: TD BANK US HOLDING COMPANY
State: NY

Complaint:
On XX/XX/20 I submitted dispute to target & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now target & is saying they looked at my submitted documents which include identity theft affidavit signed by the XXXX that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections target is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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: EQUIFAX, INC.
State: FL

Complaint:
I have been in dispute with Equifax for almost a year about these fraudulent disputes inquires. They have lied numerous times about receiving my documents when they have received them. The FTC reports are attached to this email. So it's no excuse that they can't remove these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc.
State: MI

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-12-12
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: CA

Complaint:
I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.

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 2018-06-08
Product: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint:
Suddenly on credit reports, no written 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 2019-07-11
Product: Vehicle loan or lease 
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint:
In XXXX, my husband & I received a notice ( from XXXX credit monitoring ) that our car payment with Infiniti reported as a 30 day late on our credit report for XXXX. My husband spoke with an infiniti representative who informed him to pay on the XXXX and his payment wouldnt be considered late nor would it report to the credit bureaus. In reality that was far from the truth. INFINITI reported the payment as a 30 day late payment for XXXX. We disputed it with Infiniti and the credit bureaus and the 30 day late was updated for XXXX. We contacted INFINITI once again on XX/XX/19, Infiniti informed us that the payment should not even report for XXXX instead it should be reporting for XXXX. Now this information have to be updated/corrected to XXXX. We received miss information from an Infiniti Representative therefore, the payment should not be considered a 30 day late payment. We are currently in the process of closing on our first home XX/XX/XXXX and this issue has inadvertently affected us. We have less than 30 days to have this issue rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint:
I made an agreement with XXXX XXXX XXXX on XX/XX/XXXX to pay a settlement of {$800.00} dollars on a debt of {$1900.00} to XXXX XXXX XXXX. After I make this payment the account would be settled in full. XXXX XXXX XXXX made a payment to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX stating my settlement obligation had been fulfilled - XXXX reference # : XXXX. They told me through account executive XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX : that they were not reporting it to the credit bureaus. It is still being reported to EQUIFAX as an open account. It is lowering my credit score with them because of it still being on their report. I would like this entry promptly removed from Equifax credit report and any other credit reporting companies. Thank you - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account
Company: EQUIFAX, INC.
State: TN

Complaint:
This account is closed and I called Equifax to get it removed since it's closed and horribly effecting my credit. When asked to remove, they refused, so I asked for them to send me my documents for that account, and they wouldn't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

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 2022-07-17
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: EQUIFAX, INC.
State: GA

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: LEXISNEXIS
State: LA

Complaint:
I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from 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. 

They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint:
XX/XX/2019 To whom it may concern, I would like to file a complaint regarding Capital One. I called Capital One this XX/XX/2019 to have my ex-wife removed from an account she is a co-applicant. Back in XXXX I was exploring debt relief options and this was my reason for requesting her name be removed. Note she never used this account. I was told no problem by Capital One and they would remove her name. I also, asked my account be closed. Unfortunately, I failed to get documentation from Capital One she was removed from the account. Please NOTE I would never had closed this account without her name not being removed. I know enough that once an account is closed you definitely can not request a name to be removed. 

My ex-wife messaged me the week of XX/XX/XXXX that her credit report showed late payment from Capital One. I was totally surprised and caught off guard because I thought her name had been removed. I began process of filing for XXXX XXXX Bankruptcy in early XXXX. I called Capital One twice and explained the situation. I was told whoever I spoke with back in XXXX mis-spoke. Again my fault for not having requested this documentation. 

I explained to Capital One I could email our Consent Order from our divorce spelling out I was solely responsible for this account. I pointed out that her credit was being affected it should not be. This fell on deaf ears as Capital One did not even want to see this Consent Order. I had been a loyal paying customer for over 15 years to Capital One. I am certain they made plenty of money off interest charges. Its just upsetting I was led to believe the ex-wifes name was removed only to find out I was lied to. How I wish we could play back our conversation as I know they record every call. 

I am hopeful someone from Capital One has compassion and a kind heart to recognize our situation and to correct this situation. I dont agree with my ex-wife on just about everything however, her credit should not take a hit given I was told Capital One would remove her name off the account. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
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: CO

Complaint:
I've submitted all documentation to get these things blocked from my credit. all they do is keep sending me a letter saying they won't look into it. 

I will attach all my documents to the complaint.

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 2023-09-06
Product: Credit card 
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA
Tags: Servicemember

Complaint:
Chase charged me XXXX {$10.00} " transaction fees '' but didn't indicate what the fees were for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07
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: DISCOVER BANK
State: NY

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint:
Wells Fargo rep by the name of XXXX claims to have made numerous attempts at resolution to complaints filed prior, I believe this to be false. The reasons are as follows .... They have denied my request for resolution which includes a refund of overdraft and other fees charged to accounts opened as a result of high pressure sales tactics to boost company profits by Wells Fargo reps. The refund amount, {$610.00}, was requested both in prior CFPB complaints and mediation requests. A total of five mediation packets were filled out, mailed in to Wells Fargo claims reps. A rep by the name of XXXX XXXX reached out, we spoke over the phone, a settlement amount of {$3700.00} was offered and never received. Additional complains were then filed with CFPB pertaining to this issue and issue of overdraft fee ( s ) refund, {$610.00} was requested again. It was denied, stating a check was sent and supposedly cashed which was never received. I did not receive any such check. XXXX XXXX would not provide settlement offer in writing, which I believe is shady and the reason for it is so Wells Fargo can deny they made such offer and not honor it. That being said I believe Wells Fargo is overall a very shady institution and should be investigated by CFPB. As for this matter, failing to honor settlement offer, a refund check in amount of {$610.00} will resolve this. The total of fees charged to accounts mentioned prior, opened as a result of high pressure sales tactics, is {$870.00}. I reasonably deducted prior refund amounts from this resulting in a total of {$610.00} which I request as 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 explanation