hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint:
On XXXX XX/XX/2019 I opened a checking account online, made initial deposit and on XXXX XX/XX/2019 received all the documents including a debit card. The same day around XXXX XXXX, I signed up for : - online banking -mobile deposit -online bill payment -online transfer from bank to bank -card-less ATM access Right before The first mobile deposit. Then I deposited three checks using mobile deposit. Out of the three checks two was my hard earned pay check and the third one was a rebate from my health insurance Company XXXX. All checks were legitimate and cleared by the issuers bank. But Wells-Fargo Bank within 12 hours of deposit ( at XXXX XXXX on XXXX XX/XX/2019 ), with out giving me an opportunity to prove the legitimacy of the checks, claimed counterfeit and decided to close the account on XXXX XX/XX/2019. Which blocks access to all banking features including deposits. I tried to reach out to all relevant departments of the Bank, but Ive got no resolution. Instead I was treated like a fraudster and told the same story that I deposited a fake check even though I provided proof for legitimacy of checks deposited. I have not lost any money or valuables in this process, but my constitutional rights were violated. I didnt proceed with legal action because I found no provable damage to my reputation. This doesnt assure me that the damages were not there unless the bank says so. when I find such damage before they act, we will be discussing in a different circumstances. Today I filled this complaint after my own research about the banks history not just to resolve my concerns. Also because I believed Wells-Fargo Bank have been engaged in a fraudulent activity. Data shows that success of a Bank is partially measured by : - 1 number of customers 2 number of online banking users ... etc. 
Its not a secret my account was closed right hours after I signed up for all of the services.

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 2018-11-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.

Complaint:
I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY

Complaint:
Please someone help me! Approximately 6 months ago I was advised to apply for an SBA loan which my family friend did on my behalf. I did not fully appreciate what it meant and should have never received the money. Ever since then I have called TD Bank dozens of times to give the money back and restore my account. For the last 6 months Ive called dozens of times to the SBA and TD Bank and no one can solve this for me or provide a competent answer. Months ago they said they were going to give the money back so I can live on with my life. TD Bank froze my account and somehow has flagged me and now I cant open an account anywhere else. Ive applied to open accounts at other Banks like XXXX and have been denied. I just want to give the money back and be able to live my life. I am XXXX, single mother, and a XXXX  and I am just trying to make ends meet. TD Bank is taking advantage of me in the fact that Im a minority and they are being unfair and very deceptive this should have been solved months ago. And now with the second stimulus, my friends have received it and I have no idea how or if I am able to get it and I need the money to put food on the table for my kids. I just dont know what else to do other than go to the Media or the news.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Thank you for understanding and reviewing the second complaint. XX/XX/2020 a complaint was sent regarding late payments on student loans. Made several attempts for the company to comply with using the same account number beginning with XXXX and displaying 36 late payments instead of 6 under one account. According the FCRA guidelines, the company furnishing information incorrectly along with depleting my credit and creditworthiness.

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 2023-08-07
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:
15 u.s. code 1681N. the bureaus is not complying, and hold inaccurate information. I WILL SUE FOR {$1000.00} PER VIOLATION.

THERE IS INFORMATION ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT GIVE ANY WRITTEN PERMISSION IN ACCORDANCE WITH FCRA TO HAVE THE BELOW IDENTIFIED TRANSACTIONS FURNISHED ON MY CONSUMER REPORT. PLEASE BLOCK THE REPORTING OF TH IS INFORMATION. THE IDENTIFIED TRANSACTION ARE NOT RELATED TO ANY TRANSACTION BY THE CONSUMER. THIS BLOCK IS NOT BEING MADE IN ERROR, OR ON THE BASIS OF A MATERIAL MISREPRESENTATION OF FACT. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF.

Company response to consumer: In progress
Consumer complaint received 2019-01-04
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 sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what I was disputing. 
But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. For yet another time, the following accounts are erroneous : XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX ACC XXXX - Date Opened XX/XX/XXXX, Highest Balance {$31000.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$12000.00} XXXX XXXX   XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$14000.00} XXXX XXXX XXXX ACC XXXXDate Opened XX/XX/XXXX, Balance {$7200.00} XXXX XXXX  XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$13000.00} XXXX XXXX XXXX ACC XXXX , Date Opened XX/XX/XXXX, Balance {$2400.00} I have Attached herewith the dispute letter I sent to this company on XX/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 2019-08-27
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:
Hello, please remove the fraud alert from my credit REPORT THANK YOU

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 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.

Complaint:
I had been told by credit card company 's below this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XXXX  XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) All three companies had acknowledged there was fraud during this time period and to my understanding each one was going to make sure this wasn't on my file in closed accounts anymore which I had requested and was agreed upon by each company 's supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.

Complaint:
Received letter from Macy 's stating a credit card application was submitted under my name, and Macy 's was unable to approve the application due to address provided on the application does not match address on credit bureau report. Since I did not apply for Macy 's credit card, this letter indicate someone was trying to open a credit card using my name.

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 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
In XXXX XXXX, I got the statement for XXXX over payment from US Department of Education. 
So I paid immediately via online. However I found issue of " Paid-Collection/ Charge off '' in my credit report and my score went down XXXX points IN XXXX XXXX. 
Actually, I didnt know that I had overpayment because I didnt any notice, bills, and statements from school and US Department of Education at all until XXXX XXXX. Even I didnt find in my school website about my overpayment. I do log in almost every day and I am in school now ( Fall XXXX ). 
When I got my statement from US Department of Education, that was first statement about my overpayment. The statement didnt say any Collection issue or Notice of debt collection act. I knew that was regular statement and I paid immediately in website. There were no reasons to avoid pay as amount {$180.00} only. 
I could find that was collection account and Paid off-Charge off account in my credit report after 7 months. I can not accept this situation and I can not understand it. 
Usually I checked my credit report every month but I did n't found this issue until XXXX XXXX XXXX. This issue reported at XXXX/XXXX/XXXX from US Department of Education. I do n't understand why. I did n't get any letter, email, statement or bill before XXXX XXXX. Simply I got the statement in XXXX and I just paid immediately. 
And I do n't understand that if my account is in collection, why I did n't find that fact in my credit report before XXXX. I think if my any accounts will be in Collection account, I should know that situation before into Collection account. And I should have gotten any warnings, notices or prompts but I did n't get anything. 
I got the first statement in XXXX XXXX and I just paid immediately but my credit is mess up now. This is unreasonable and unfair. This situation is very fatal in my life now. I have planned to build my new business and buying car and lease apartment in XXXX Now I am in extremely hard time. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JDJ Investments, INC.

Complaint:
I have an account with XXXX XXXX XXXX. I was in a XXXX  XXXX situation and had to abruptly relocate. The account was closed in XX/XX/XXXX. It shows I owed {$700.00}. On my credit report, it is showing that I opened the account in XX/XX/XXXX with CBS Collections. I have never opened an account with this company. I have disputed this and asked that they please report that this account was opened over 5 years ago, but it shows that the account is accurate. They are reporting monthly on my credit report. I do not even acknowledge this debt with the apartments. This has severely interrupted my life as it impacts my ability to secure housing in my name. Please help me with this matter.

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 2023-07-04
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:
There is a fraudulent inquiry on my TransUnion Credit Report, from XXXX- Inquiry Date : XX/XX/2023. I have attached a letter from the credit, showing that this inquiry should be removed effective immediately. Please accept this official letter as evidence to remove this fraudulent inquiry from XXXX XXXX Date : XX/XX/2023.

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 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.

Complaint:
I have been a customer with Chase Bank for about 12 years. 
I have a personal checking a business checking a merchant account a savings account and a brokerage account. All in good standing. 
I have an over all credit score of XXXX across the three big bureaus. 
I have an income of about XXXX dollars I have a number of XXXX XXXX all in good standing. 
I have NEVER missed or been late on a credit card or loan payment. 
I have always kept my Credit Utilization low. 
And yet I have been turned down ( Even though the application said I have and " Outstanding '' chance of getting the card ) I just went to this page today to try again. It is a preapproval application which says there is not hard pull. 
I filled in the requested information and when I clicked on " Submit '' I was told you may have opted out and there are no offers for you.

I called Chases and spent a total of about an hour and a half ( 90 Minutes ) being bounced around from one department to the other and no one... absolutely no one could or would tell me what the problem is. I asked for supervisors and they told me the same thing. 
I asked if they could help me to figure out how I could get a credit card with Chase. 
I told them I have been with Chase for about 12 or more years and yet I could not seem to get a credit card. I told them I tried to Preapprove but was not told that either there were not current offers for me or that I was declined for a particular reason. 
I all but begged them to help me. 
No one would. They could not give me a single reason that I was not offered a card or what went wrong with the Preapproval process. ( See below ) https : //www.chase.com/preapproved I asked them to help me to figure out what I need to do so that I could eventually get approved for a card. A game plan if you will. No one would answer or advise of help me in any way at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.

Complaint:
On XX/XX/2019 my Social Security XXXX check was deposited into my PNC checking account. By XXXX there was only {$1.00} in my account so I called PNC customer service any they explained that XXXX XXXX out of Louisiana had withdrew {$850.00}, from my account. 

I ask customer service how and why and with a few more questions from customer service it was soon realized that I had been part of a scam with someone claiming to be XXXX XXXX XXXX. 

I was applying for a loan with XXXX  XXXX XXXX or should I say people I thought were Cash Net XXXX. 

Customer Service put a hold on my account and on my debit card and advised me to get to the bank ASAP to close the account and the debit card. 

I was at PNC Bank, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IN XXXX, XXXX, within 2 hours. I met with XXXX, who closed my account and opened a new account, cancled my debit card and issued me a new debit card. Ordered new checks, and filed a report. I explained I would be filing a police report and would return with that report when it was ready. On Tuesday, XX/XX/2019 I returned to PNC bank with the police report and turned it into XXXX assuming she would file it. 

On Tuesday, XX/XX/2019 I contacted PNC Bank and spook with XXXX XXXX questioning as to why my checks had not arrived and what was the statis of my complaint. According to XXXX there was no follow through on XXXX 's part, no checks were ordered, no complaint was filed, no one had any idea what had happened to my police report. Again I returned to PNC Bank and re reordered my checks and finally filed a report with XXXX. XXXX saw no need to have a Police Report, I brought a police report by on Wednesday evening anyway. 

By XX/XX/2019 PNC Bank had resolved that I am not intited to any type of refund. I am disputing this. I have never had any contact with XXXX XXXX. The check is a fraud because it is not my signature and looks nothing like my signature. I never saw this check until XXXX showed it to me as part of the investigation into the scam/fraud case. 

XX/XX/2019 started like any other day with my Social Security check being deposited, it is the money I have to live on all month long and by XXXX that money was gone. It was gone because XXXX XXXX of Louisiana, a company I had never done business with had decided to electronically take it from my bank account. Please help me restore that money to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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:
On XX/XX/XXXX, I'd opened a XXXX Mastercard account ( XXXX XXXX ) and added both my mother and father to the account as additional cardholders with their own personal Social Security Numbers. After finding out within a month or two opening the account, my account information was being reported directly to their personal credit reporting files and a call was placed to XXXX XXXX  to remove them from my account. 

I was assured that letters would be sent to all three credit reporting agencies ( XXXX   XXXX and Experian ). 

Almost 1.5 years later, due to a slight overage of this {$300.00} limit account ( a {$300.00} balance ), a credit monitoring alert was sent to my father this morning ( XX/XX/XXXX ) from a status report made on XX/XX/XXXX via Experian. 

After several dozen calls and multiple hours of my time, I'd contacted XXXX XXXX ONCE AGAIN to do the process all over as well as send some type of correspondence as such, which they say they will. 

I'd then gone through the process with contacting Experian and once I'd reached a live operator ( due to supposed 'technical difficulties ' on their website ), I had to formally dispute and add a comment as such.

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 2022-03-06
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2020-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc

Complaint:
During hurricane Laura, I evacuated to another city. I booked a room using XXXX. When I arrived at the hotel it was surrounded by police. I was unable to even go to the lobby. I called and cancelled the reservation and was told they would call to get a refund. After several days I received an email stating that the hotel refused to give refund and that I needed to dispute the transaction through my bank. I did, and 90 days later Chime bank told me that nothing was wrong and the dispute was closed. Upon examination of the investigation, I learned that Chime did nothing, did not even talk to any of the merchants involved. I am out XXXX through no fault of my own and upon receiving no services.

Company response to consumer: Closed with explanation