hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP

Complaint:
On XX/XX/2020 at approximately XXXX I attempted to withdraw {$200.00} from a US Bank ATM in the lobby of my workplace but received an error code on the ATM machines monitor with a message stating timed out, no money will be withdrawn from your account. I thought this particularly odd to say transaction timed out because it appeared almost immediately after I inserted my ATM bank card and so I made a second attempt but again received the same error code message. I then drove directly to another nearby US Bank ATM and from there did successfully withdraw {$200.00} When my US Bank monthly statement came in the mail it showed that {$200.00} had indeed been deducted from my account at the first location and {$200.00} from the second location as well. I immediately reported this matter to US Bank upon receiving my monthly statement and having noticed the banks error. Since the time of reporting this error to US Bank I have received a letter from US Bank stating they have investigated my claim and have found themselves to be in the right and that I did in fact receive {$200.00} from both locations. I notified them that this is impossible as their ATM have electronic time stamps of every transaction and error code that occur daily on their machines plus cameras that record every customers interaction at an ATM. I also told US Bank I want to see this alleged video proof that they possess showing that I did indeed receive {$200.00} at the first location otherwise the bank is calling me a liar and also guilty of attempting to perpetrate bank fraud by submitting this claim for a {$200.00} refund to my checking account. After receiving this letter, I contacted the XXXX XXXX XXXX to file a complaint and since the time of asking the XXXX to investigate the matter have acquired a second letter from US Bank reiterating their stance that they are not in error but in effect I am. In requesting ATM video footage from US Bank I have been informed that in order to see this alleged video footage I a judges court ordered subpoena would be required so therefore I am filing criminal charges against US Bank in order to seek release of this video footage and to be reimbursed {$200.00} which was erroneously withdrawn from my account.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 2019-06-25
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 initial sent a request to Transunion when I noticed some items that were reporting incorrectly, mainly a Bankruptcy and late payments. I sent my initial letter to Transunion on XX/XX/2019 in which I received a letter back stating that the BK was verified and had been updated which they placed an attorneys name which wasn't my attorney. I sent a SECOND letter on XX/XX/XXXX asking for their method of verification since they verified the information and updated the attorneys information. I never received a response from that letter. I sent my third letter today before I pursue litigation as they are in clear violation of my rights under the FCRA to have a copy of the original documentation for whomever reported this information since they verified this information. I also sent a letter regrading my late payments on two specific accounts. They stated the " late payments '' were verified by the creditors and sent my copies of my balances for 6 months. Nothing again showing where my payments were actually received late. 

I have also made a THIRD REQUEST for Transunion to update my personal information on my credit report and this information as of date has yet to be done. I have sent the verification information such as my drivers license/ SS card on three separate occasions showing my COMPLETE ADDRESS and also my name as it should appear.

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 2023-06-21
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: Resurgent Capital Services L.P.

Complaint:
I had a credit card with credit XXXX bank back in XXXX I close the account. I only had a {$300.00} credit limit upon closing the account. I had a balance of {$200.00} I have since then made a chance to pay the balance but they keep telling me that I dont owe them any money yet. This is on my credit report for {$700.00} reported by LVNV FUNDING LLC. I DONT KNOW WHO THESE PEOPLE ARE AND THE DATE ON THE CREDIT REPORT IS XXXX AS I SAID I HAVENT HAD THAT CARD OR THAT ACCOUNT SINCE XXXX AND I DONT KNOW HOW A {$200.00} BALANCE TURNED INTO {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
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:
I HAVE IDENTITY THEFT ON MY EXPERIAN REPORT XXXX XXXX XXXX XXXXACCT XXXX XXXX, AND XXXX XXXX XXXX ... ACCT XXXX ... XXXX ON XXXX XXXX. 
THESE ARE FRAUD ACCOUNT I HAVE BEEN DISPUTING FOR 2 YEARS AND THEY REFUSE TO REMOVE THEM. I HAVE SENT SEVERAL DOCUMENTS FORM THE CLERK OF THE COURTS, AND XXXX COUNTY CLERK SHOWING I HAVE NOT LIVED OR EVER BEEN EVICTED FROM THESE PLACES. THE CREDITOR DOES NOT EVEN HAVE MY SOCIAL SECURITY NUMBER ON THESE ACCOUNTS. XXXX XXXX AND XXXX  ALREADY REMOVED THEM DUE TO FRAUD BUT EXPERIAN REFUSES TO REMOVE THEM/. THESE ARE NOT MY ACCOUNTS THE IDENTITY ON THEM IS NOT MINE. PLEASE HELP ME TO GET THESE REMOVED I AM XXXX XXXX XXXX XXXX THE FRAUD ACCOUNTS DO NOT MATCH MY NAME OR SOCIAL SECURITY NUMBER

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 2023-06-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.

Complaint:
On XX/XX/2023 XXXX notified me that Convergent Outsourcing flagged my report. This company is a debt collector who stole my identity and have be reporting false and inaccurate information on my consumer report. I have never done any business with this company nor do they have any contract that I have sign with them. I have never given Convergent nor XXXX permission to furnish any false and inaccurate information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Genesis FS Card Services, Inc.

Complaint:
I keep getting emails about how Ive been pre-approved for credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 2023-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/XXXX, an unauthorized wire for {$5400.00} was sent on my Chase checking account to a user whom I did not know, among many other unauthorized transactions from XX/XX/XXXX to around XX/XX/XXXX. I filed a police report, contacted my banks, contacted the FTC, filed a report on IC3.gov, and contacted XXXX. Chase bank has resolved almost everything except the {$5400.00} wire, which they denied on the grounds that I gave the perpetrator my username and password. I did not give the perpetrator my username or password for my Chase online portal. I met with a Chase banker, and we filled a complaint against Chase as well as had the Chase fraud and claims department reopen the case. 

I also plan on contacting the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP

Complaint:
This is in regards to a recurring series of unauthorized " Analysis Service Charges '' made by US Bank on my checking account. Total unauthorized charges to date total : {$80.00}. The recurring charges have not stopped despite promises from bank representatives that they would. 

I first noticed the charges in XX/XX/XXXX. US Bank had been charging an unauthorized recurring $ XXXX monthly charge dating back to the beginning of XX/XX/XXXX. I called a customer rep to inquire as to the nature of the charge. Despite several transfers, no bank representative could explain the charge. At the the time ( XX/XX/XXXX ) they agreed to refund the charges. Though no less than 10 charges had been made, US Bank refunded only 6 of them. I chose not to challenge the difference since they promised that the recurring charges would no longer occur. 

Then, in XX/XX/XXXX, I noticed on my statements that the recurring charges had actually continued to be assessed for the months of XX/XX/XXXX throughXX/XX/XXXX. I called again with the same outcome : they refunded the charges and promised that the charges would stop. ( Again, they could not explain what was causing the charges. ) Today ( XX/XX/XXXX ), I see again that the charges have in fact continued for XX/XX/XXXX and XX/XX/XXXX.

I would like to log this complaint with the CFPB so it can be analyzed with other complaints in regards to unauthorized recurring bank fees by US Bank upon its customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.

Complaint:
I contacted XXXX XXXX XXXX who informed me the debt was not theirs but XXXX. I informed them that I had paid on time prior to me sending back the product. Two years later this shows on my credit report. There is currently an open case with XXXX XXXX to find the product I sent back two years ago. I reached out to Amerassist to verify the debt but the line just rang.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Accounts : Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : Miscellaneous Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 



Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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 2023-10-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY

Complaint:
On XX/XX/XXXX, I made a payment to Wells Fargo online, in the amount of {$98.00}, for my monthly payment amount. I received a verification email stating the amount that was to be charged to my checking account. 

On XX/XX/XXXX, Wells Fargo put a payment through to my checking account, but it was in the amount of {$2100.00} ( the full amount left to pay on my account ), NOT the payment amount of {$98.00} that they sent me the verification email of. The account caused an overdraft of my checking account and I was charged {$28.00}. 

I immediately contacted Wells Fargo and could not get anyone to rectify the issue, as they stated that my account was closed because it was paid off. I spoke to the customer service rep and explained the problem and requested a manager call me back. 

On XX/XX/XXXX, I received a phone call from " XXXX '' from Wells Fargo and a case number. I called back and spoke to her, but she was not able to do anything, other than opening a complaint. The complaint was assigned to : XXXX XXXX. 
Escalations Representative Enterprise Complaints Management Office I have tried numerous times to contact this person, via phone and email, and have never received any response. 

All that I received are emails stating that they need more time to research my complaint. 

I have received these emails on : XX/XX/XXXX ( stating will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) Again in XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) Nobody has ever followed up or conducted any research into how the company verified that they were to charge me {$98.00} but instead charged {$2100.00} to my checking account and caused the overdraft. 

I had never been late or been behind in any payments until this issue came about.

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 2019-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.

Complaint:
Background info - I purchased a car from the local XXXX dealership in XXXX of 2018. The loan is through XXXX XXXX 
The Issue - I have made a couple of late payments and late fees were assessed. I made payments to cover the late payments and late fees. Well, I was looking at my loan account when I went to make the most recent payment and noticed all of these fees, {$130.00}. 
Before contacting the lender, I looked through all of my payments to make sure that the error was not on my end. According to my calculations, for the eleven months that I have paid the car note, it adds up to {$6000.00} plus an additional {$130.00} in the late fees. To date, I have paid {$6200.00} which was supposed to cover my car note and the accrued late fees. 
I called the finance company to ask why am I seeing {$130.00} in outstanding fees considering when I made payments according to the bills received, the late fees were apart of the monies paid. According to the agent, despite the fees showing on the bill and me sending in the payments were never applied to the late fees so the late fees are outstanding and past due. He stated that I would have had to have called and asked that the funds be applied to the late fees. 
According to the representative, the extra money was paid to the interest and not even towards the principal. I have just been shafted out of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC

Complaint:
I have contacted this company on multiple occasions to directly dispute this account. The company failed to provide me with debt validation documents as requested via certified mail on XX/XX/2022. Prior to the collection account appending to my credit reports, the company had made no attempt to contact me to verify the account. 
I also have disputed this account XXXX through the credit bureaus yet it hasn't been removed even though Receivables Performance Management has not provided the credit bureaus with any documents velalidating ownership.

I've provided police reports citing identity theft but to no resolve. 
Since XXXX, I've also called the company to dispute the account but they repeatedly transfer me from department to department where no seems to know how to help. Lastly, I filed a dispute directly through their website and no one has reached out nor sent documents to validate this debt. 
As a consumer, this is just horrible. How can creditors just ruin your good name? No one seems to be able to help me yet the creditor keeps reporting this invalid account to the credit bureaus.

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 2021-04-10
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:
I sent several letters to the bureaus and haven't received a response yet. I received my credit report and seen incorrectly and unknown items on my credit report. It's been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. This is taking way longer than it should. Please delete this items.

Company response to consumer: Closed with explanation