hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint:
In XXXX, XXXX, following a miscommunication between my bank, Wells Fargo, and non-Wells Fargo ATMs abroad ( XXXX ), which resulted in money being mistakenly deducted from my Wells Fargo checking account, in the amount of {$1800.00} ( based on several attempted transactions in which my card was denied and I did not receive funds, but Wells Fargo thought I had ), I immediately contacted Wells Fargo to resolve the issue. After detailing the case, their Fraud department initially reimbursed me 100 % of the funds in question. A couple of weeks later, {$1000.00} of the money initially reinstated was reversed. When I called to inquire why, I was told I needed to sign a form that could not be emailed but only sent to my permanent address. I was also told I could resolve the issue upon returning to the US. In fact, both of these details were incorrect and misleading. The supposed form I need to sign was never mailed, and never emailed. I still do not know what the form is in reference to. I followed up on this matter at the first opportunity I could, following my return to the US, on XXXX XXXX XXXX. At this time, I was told that XXXX XXXX 120 limit had expired and the remaining funds owed to me could not be reinstated. Hiding between this outside technicality, at no point in time was I told why the funds were ever removed from my account. Nor whether Wells Fargo was able to recover their money from XXXX ( as far as I know they were able to recover 100 % of the funds, and my money became a source of profit for them ). In XXXX, XXXX, {$500.00} mysteriously appeared in my account, presumably an effort by Wells Fargo to placate me and encourage me to drop the issue. I am shocked and appalled by Wells Fargo poor communication, lack of transparency and lack of customer care in this instance. Despite extensive dealings with their Resolution Team, and no fewer than three separate escalation complaints, I have been consistently told there is nothing they can do and it's a closed case. Last week, I informed them that I would be taking alternative action to resolve the matter and recover the money they still owe me - XXXX - plus damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
BANK OF AMERICA - Account is not mine. No knowledge of it, no legal obligation for it and no information as to its origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.

Complaint:
Starting the XXXX of every month conns calls up to 12 times a day on two different phone numbers. The out standing payment of XXXX dollars and change is due on the XXXX. This calling keeps up until the day after the payment is made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I am a Bank Of America customer. 
On XX/XX/XXXX in the morning I discovered that XXXX large amounts had been charged from my card overnight. I immediately contacted the bank by phone and e-mail to report the fact of illegal use of my card. The bank told me that an investigation had begun and that I would receive the result in 10 days. Exactly 10 days have passed and in the evening ( last minute job ), I've got the result and the result was negative with the following explanation : The charge was authorized by you or made by someone who has permission to use the card or account. 
I did not make these transactions. At the time, I had been in the country for about a month, and was actively working on the basic paperwork for living in the US what's visible by the nature of my spending. It is obvious that the card was compromised and that the purchases made with it are of a different nature than mine. In order to authorize a purchase, customer should have XXXX from the very beginning so I did not therefore someone who copied my cards ' details did it other way. 
The bank did not provide sufficient protection mechanisms, which led to the theft of the customer 's money. The bank failed in its primary function of preserving the customer 's funds. 
The investigation of my complaint was done unprofessional and needs to be re-examined. 

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 monetary relief
Consumer complaint received 2023-04-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-06-24
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:
I was just made aware a hard inquiry was made on XX/XX/2018 was made to XXXX XXXX. This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
XXXX When I applied with for this loan at the XXXX dealership I also had other financing options. USAA gave me a fixed rate of a high 4 % because I didn't enroll in autopay. Then last year sometime as I was making my payment I noticed my rate was in the mid XXXX 's. I'm super busy and didnt make time to call in and address. When I paid off my car, the rep I spoke with mentioned that I had a 6.09 %. I'm a mortgage loan officer so rates don't confuse me and I shopped my options. I know I didn't agree or sign disclosures for a 6.09 % with a credit score in the mid XXXX 's. I called in and the rep said my initial disclosure was the 6.09 %. I did not sign this rate, I reviewed my docs before and knew my options. USAA was hacked and please forward this to the appropriate dpt. I've reported this with the FBI because I believe I'm being personally attacked as this has followed me else where. If you listen to the phone calls and they are scrambled it's because those calls were edited and hacked. As I've experienced this in the mortgage industry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
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 — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION

Complaint:
I have just checked my credit reports within XXXX XXXX XXXX XXXX. On XX/XX/XXXX BB & T reported my on-time payments for XX/XX/XXXXthru XX/XX/XXXXXX/XX/XXXX. However, when I checked my credit reports, on XX/XX/XXXX, for XXXX XXXX XXXX XXXX XXXX, the reports showed that BB & T removed the receipts of my on-time payments for XX/XX/XXXXthru XX/XX/XXXX. On XX/XX/XXXX, BB & T reported to XXXX, XXXX XXXX XXXX that my last mortgage payment was onXX/XX/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 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On around or about XX/XX/2022, my score dropped XXXX points from TransUnion. 
All I see is XXXX changes for this action. 

XXXX XXXX services account balance increased by {$55.00}. 
XXXX XXXX increased by {$2400.00}. 

I can't see my score dropping XXXX points for this. 
The other XXXX XXXX score drop XXXX points not XXXX. 

I want a re-evaluation of my score. 
I think this is wrong.

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 2020-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC

Complaint:
XX/XX/XXXX The National Credit Adjusters placed a opened account of XXXX dollars On my credit making made a derogatory mark on my credit history. During that time I received no notice during that time and was not aware it was on my credit until XXXX at that time I attempted to contact the agency and was unsuccessful, Ive attempted to dispute it with XXXX  XXXX  but the account has still reported derogatory remarks on my credit. It has been over six years that this has been on my credit report. Ive never received a letter, a call or any communication about this debt to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Kansas, Inc.

Complaint:
My Complaint is against the Collection Bureau of Kansas who also goes by the possible alias? of XXXX XXXX XXXX Attorney at Law. I have been having trouble with that office for years ie complaints to XXXX, BBB, local courts and now have taken a step to contact the Missouri Attorney General as well as the Kansas Attorney General. The complaints are from a-z ie continuous and overwhelming phone calls from that office a few years ago to now having a judgement on my credit that has now effected my opportunity to get a lease on a townhome. I decided I would submit another complaint through here in hopes to help other families that he has had a negative impact on and to hopefully draw in an investigation on what goes on in his office. I have been in communication with his office too and have had very poor Customer Service as well as dishonesty and a hint of corruption. His office says they do not buy debt but XXXX XXXX XXXX ( XXXX ) who is now XXXX XXXX ( XXXX ) says he bought the debt when the hospital was bought out and it is out of their hands to help. I would like to see an investigation into this company and its practices. There are so many details I could share via documents, notes from conversations and emails that point to an office that is causing more questions than answers. His office has now garnished more than the original amount owed too. Is there not something that CPB can do to change how Medical Debt is handled and how collection agencies like the Collection Bureau of Kansas aka XXXX XXXX XXXX operates or if he can even legally operate in this 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 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On the morning on XX/XX/2018, I called capital one several times to get information regarding increasing my line of credit or switching to a different product. I currently have one credit card with them that I pay off monthly and overpaid this month.

After getting some information, I left my phone and card in my car and went back to work. During my lunch I called Capital One again at which point I was informed that my account was closed. Thinking it may have been an accident, I reached out to a manager and inform them that this may have been an error and was told they would not re-open my account.

Confused and angry, I called again and was told that a request would be submitted to re-open my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
To whom it may concern : On XX/XX/2020, I completely paid off Bank of America credit card account through an online payment, called in confirmed with agent of bank of america that entire balance was paid off. Bank of America then cut my credit line after paying off entire amount, and did not sight any reasons. All payment histories were on time prior to pay off. In addition, after paying off the entire balance, and closing my account they have now billed me for interest and sent me to collections which appears on my credit report. This is pure negligence and improper by Bank of America, I called and verified online that the entire bill was paid, Bank of America closed my account, and now has sent me to collections which appears on my credit report, there was no reasonable way of knowing of this interest as bank of america confirmed account was paid. 

Sincerely, 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 monetary relief
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc.

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -UNIV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX K XX/XX/XXXX -XXXX XX/XX/XXXX x -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX/XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX -XXXX  XXXX -XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-06-20
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: Experian Information Solutions Inc.

Complaint:
THESE COMPANIES VIOLATED MY RIGHTS TIME AND TIME AGAIN UNDERTHESE LAWS WHICH IM PROTECTED 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS 15 U.S.C 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE XX/XX/XXXX XXXX BANK XX/XX/XXXX ACCT XXXXXX/XX/XXXXXXXX BANK ACCT XXXX XXXX/XXXX/XXXX XXXX BANK ACCT XXXX XX/XX/XXXX XX/XX/XXXXL XXXX XXXX ACCT XXXX XXXX XXXX CREDIT CARD ACCT XXXX XXXX XXXX CREDIT CARD ACCT XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX ACCT XXXX.. 
XXXX XXXX ACCT XXXX XXXX XX/XX/XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XX/XX/XXXX CHILD SUPPORT ACCT 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 2023-02-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
When I reviewed my credit report again, I discovered that some of the account was still erroneous. The XXXX credit bureaus must validate these accounts in order for me to establish a good record. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-04-06
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:
THE XXXX XXXX XXXX XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2017-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C.

Complaint:
In securing a loan for a new home, we found out there was a collection on my credit report from Trident Asset Management XXXX. XXXX XXXX, XXXX GA XXXX XXXX : XXXX. It was apparently from XXXX in the amount of {$51.00} however, this was not something that XXXX ever submitted to them. We were never contacted by XXXX, nor were we ever made aware of this debt by XXXX. We only found out about it from our lender pulling our credit. It is negatively affecting our credit report and all attempts to obtain further information from XXXX were unsuccessful. They just kept telling us we had to pay it. XXXX has NO record of this debt or an account. XXXX refuses to answer questions, and they are also refusing to remove it from our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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 number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : 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