hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC

Complaint:
Good afternoon, Consumer Financial Protection Bureau. 

Today I received a letter from ERC regarding a collection notice from XXXX XXXX on an account that I have disputed and it was found that it needed to be removed. 

The CFPB Claim No : XXXX Filed XXXX & CFPB Claim No : XXXX Filed on XXXX. 

I have been dealing with this matter since XXXX, We had submitted a complaint with CFPB XXXX XXXX : XXXX. It was requested that the account be deleted. 

on XX/XX/2020. I submitted another complaint on a notice that I received from XXXX XXXX with CFPB Claim No : XXXX. It was requested to be deleted. 

The reporting of this accounting violates the Fair Credit Reporting Act ( including but not limited to section 623-b ) & the Fair Debt collection Practices act ( including but not limited to section 807-8 ). 

I have received threatening letter and call about this account that has already been disputed. 

I really need you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY

Complaint:
Bank : American Express Issue : False information about Balance Transfer amount while applying credit card I was looking for Balance Transfer of {$20000.00} and as I was already a customer of American Express, I spoke with the balance transfer department. They suggest me to apply American Express Blue card where there is promotion to get 0 % balance transfer for 15 month and If my credit card is approved, they will honor my request to do balance transfer of {$20000.00}. I applied and card got approved. Once I receive my card, I called the customer service and request to do balance transfer of {$20000.00}. I was surprise to see that they can not honor as they max limit of balance transfer for American Express is {$7500.00}. I request to escalate the false promises for {$20000.00} balance transfer and they file the escalation and assured that if it is an issue from customer service, they may consider my request of balance transfer of {$20000.00}. They file the escalation on XX/XX/XXXX After waiting for few days, I called again on XX/XX/XXXX to see any outcome. I spoke to Ms. XXXX ( ID : XXXX ) a supervisor and she told that it was wrong information provided by the customer service representative and they inform the customer service about it but they can not help me to provide more that {$7500.00} and will compensate {$100.00} if I do not report this case to Consumer service department. 

It was such a cheap service by American Express where they misguide the customer with there false promises and try to bribe customer to avoid complain. 

Most of the customer service representative does not know how to convey the balance transfer limit including Ms XXXX who consider to be a supervise and not serious about language confirming the request. 

I would request to take a serious action on American Express so they stop misguiding the customer by providing false promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.

Complaint:
On Monday morning XX/XX/2022 I returned to my car to see that it had been ransacked and my wallet was robbed. The last time my wallet was in my physical possession was XX/XX/2022. I had received messages on my phone saying that there were charges made on my card, these charges occurred while I was asleep and didnt see the messages until i woke up. I immediately talked to Ally support to let them know and made reports that all the charges that occurred on XXXX  and afterwards were fraudulent. I also told them to not let any more charges through and froze my card. A couple months later they locked my account and I received a letter saying that I was responsible for the charges because it was " in the same geographical area ''. Of course it was, they had stolen my physical wallet. Now I have received a letter threatening to take me to collections for the amount these people stole. I did everything to inform them that these charges weren't me and ordered a new card the same day and still they do this. It is not legal, I am not responsible for the charges some theives made on my card as I did nothing wrong and immediately reported it to Ally. I am not even able to access the account to attach screenshots because they have locked me out.

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 2021-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.

Complaint:
Friday, XX/XX/2021 Dear CFPB : This correspondence is in regards to my filing a complaint against PNC. PNC has revoked my online banking access and frozen my money to both of my PNC checking accounts without warning or reason. This has happened today, Friday, XX/XX/2021. 
I learn about the freeze when around XXXX EDT I tried ordering on XXXX. Its system says that my debit card was declined. I tried my other PNC debit card and the XXXX system produced the same result. 
I XXXX PNC Bank Help 3 times. I also left two XXXX direct messages. In addition, I called the XXXX number and was placed on a 1-hour hold TWICE! It took PNC two hours to reply to me via XXXX. 
Now the games began again. I promptly responded to PNCs direct message request only for the customer service representative to be non-responsive. I submitted screenshots of my online banking account revocation and my 1-hour hold phone log. PNC still as of XXXX EDT still is revoking my account without any reason. 
My Remedies I demand that all of my PNC bank accounts be restored Online banking access and debit card access restored All money in both PNC checking accounts restoredwithout XXXX XXXX missing My ability to dispute any funny charges on my account since PNC did not notify me of anything. I register for account alerts. It is myunderstanding that today, XX/XX/2021, I did not receive my alerts. 
A proper investigation and explanation into what happened to my account. 
The CFPB can contact me at either my email or my phone numbers. My email is XXXX. My cell is XXXX. My other phone is XXXX. Please help me. I have been suffering for 4 hours and PNC still is freezing my accounts for NO reason! Thanks. 

Sincerely, XXXX XXXX Enclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
I sent a letter to Experian, XXXX, and XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: GOLDMAN SACHS BANK USA

Complaint:
LENDER : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Application XXXX XXXX Merchant : XXXX XXXX XXXX XXXX XXXX XXXX sold us an on demand hot water heater to replace the one that was not working. They promised a zero down and zero interest. Sure, I took the deal and signed their paperwork. Several days and the bill came in with a 6.99 % interest rate. Paying that off would cost me {$8000.00} on top of the {$12000.00} water heater cost. 
We talked to GreenSky and even with all of the talks they said the loan was already made and COULD NOT BE CHANGED! In addition they have charged me {$1200.00} of Finance Charges that I could not find in the contract. The question is ; why didn't they contact me or XXXX XXXX XXXX when they wrote a loan contract with an interest rate? 
I didn't even have a chance to read the loan to see that they were going to charge interest. 
We have since paid off the loan in order to avoid those harsh interest payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY

Complaint:
In response to my previous complaint number XXXX I have attached a copy of the adverse action letter sent to me by Wells Fargo as well as my response and demand to that adverse action letter as a result of the discrimination and damage caused to me in the form of {$100000.00}.

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 2019-07-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.

Complaint:
XXXX, XXXX, XXXX of XXXX is missing payment information and XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint:
I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; XXXX XXXX, Experian, XXXX via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from XXXX. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.

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 2019-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc

Complaint:
Good Afternoon, i first noticed that i had a collection open with Hunter Warfield, i contacted them what it was about and i was told that it was from a broken lease, and i replayed that i didnt terminate a lease with XXXX XXXX, and didnt renew my lease. i requested a copy of the claimed lease and they couldnt provide it. i asked if paying this would delete the collection from my account several times and every response was a blank message. can you please assist me with this, when i moved out of my apartment at XXXX XXXX XXXX, i was served with an evition notice either pay in 3 days or return keys. i returned my keys to the office in the drop box. i have attached a communication log from hunterand warfield i have attached the resaults of the dispute that says it was sent to the credit beaus for deletion and the communications with the company that states they dont have a copy of the lease. they also claim they sent a notice if they did i didnt recieve it to dispute this. and oboviously it wasnt certified letter so they cant prove it was signed for upon reciept

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I was directed to TransUnion from XXXX, a site recommended by the federal trade commission website on XX/XX/XXXX. Transunion does not distinguish between free credit report and free credit score, one of which is not free. It sucked me into to paying a {$24.00} subscription fee to view a credit score when I just wanted my annual free credit report. The site relentlessly loops you, making it extremely difficult to cancel this automatic subscription. Transunion is dishonest and does not make it apparent what product you are signing up for.

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 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
1 ] in accordance with the Fair Credit Reporting act, XXXX  XXXX Account # XXXX, has violated my rights. by placing misinformation in my credit report. 

2 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights by placing misinformation in my credit report. 

3 ] in accordance with the fair credit reporting act, XXXXXXXX XXXX XXXXXXXX XXXX account number # XXXX. has violated my rights by placing misinformation in my credit report. 

4 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

5 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX has violated my rights by placing misinformation on my credit report. 

6 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

7 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account XXXX # XXXX has violated my rights by placing misinformation on my credit report. 

8 ] in accordance with the fair credit reporting act, XXXX account number # XXXX, has violated my rights by placing misinformation on my credit report. 

i try to resolved this plights with this named creditors aboved numerous time either to come to the same conclusion or not get a reply. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' It appears that my information was compromised per Equifax 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
Called XXXX XXXX and spent two hours trying to close account. Submitted help desk ticket for IT assistance, and for two months XXXX kept calling getting routes to different departments : security, checking, business analyst, IT all making excuses that I couldnt close my account. I had an INC # for assistance to be escalated and no help. I keep getting the runaround and was told I needed my husband on the call to close it but then they said I didnt. No transparency and they admitted theres no other reason why I cant close my account : XXXX balance, no transactions for months. Also same issue with my savings. Ive spent over 20hrs on the phone getting routed. Then they wouldnt let me get contact info for litigation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN HONDA FINANCE CORP

Complaint:
Hello. My name is XXXX XXXX. I am an XXXX XXXX XXXX in the XXXX XXXX stationed at XXXX XXXX, Texas. I was XXXX to XXXX for nine months from XXXX XXXX XXXX. Before I was XXXX, I was making an automated car lease payment with Honda for two years. However, when I was XXXX overseas, my automated payments had stopped, which hurt my credit score. I discovered this news after I returned back to the U.S. and went to Honda because I thought my lease had matured. Honda never reached out to me during this time so I had no idea the payments were not being made. Honda also told me that I had a repo on my account, which is hurting my credit score. However, my car was never repossessed so this is a false repossession claim that I am currently suffering from. I called Honda Finance several times and spoke to my local Honda dealership but they did not help me with this situation. Instead, I was coerced into refinancing my current car with a high interest rate because I need a car for my work and to rebuild my credit. They told me I could not get a car anywhere else and no dealership would work with me because of my bad credit. Any help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$810.00}, {$0.00}, {$690.00}, {$590.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account.

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 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
On XX/XX/20, I sent a letter regarding this inaccurate items on my credit report and not received a response yet. I feel that my dispute is being wrongfully ignored, and know request these accounts be deleted per 611 ( a ) failure to investigate these items within 30 days gives reason to remove these items from my credit report. If this issue is not corrected I will file for litigation. Additionally, my credit was impacted by the Equifax data breach.

Company response to consumer: Closed with explanation