hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
This is hardly the first first time I've contacted you. In your prior responses, I've gotten pablum and, whatever the bank says is what you tell me. So ( after referring to my prior XXXX or XXXX complaints ), please see the following. I've been getting the runaround from Capital One ( and you and the insurer and the reverse mortgage holder ). What was a small, to me fairly insignificant problem, as turned out to be the 100 Years ' War. And the amount at stake is fairly miniscule, except for me, of course. Attached is the last letter I sent to Capital One. If the online agreement does not say SPECIFICALLY that there may be ONLY ONE PAYEE, then everything else is BS and their argument is nothing. Attached is letter I sent to Capital One. 

And if I had the money to hire an attorney, I wouldn't be writing this now. Look at their agreement! It's not worded as they believe it is worded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
While reviewing my report again, I found several inaccuracies which are once again causing my home loan application to be turned down through XXXX XXXX I have sent repeated letters to the respective companies, and this is my last attempt before taking legal action. My attorney suggested I send this last letter. I would very much appreciate you deleting the following mistakes on my credit report. Enclosed. you will find copies of the necessary documentation that will correct the information you XXXX have received in error, along with a copy of the credit report in question. The items referred to below and needs to be deleted from my credit report. 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ( Closed ) # XXXX I have had my life on hold now for XXXX years trying to fix my credit report. The mortgage professionals at XXXX XXXX XXXX XXXX XXXX, have informed me that need to get these items taken off my credit report as soon as possible, because it is inaccurate and needs to be fixed. 

Thank you for your assistance.

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 2023-07-21
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: EQUIFAX, 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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
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:
Transunion XXXX XXXX XXXX : ( XXXX ) XXXX please remove these accounts it does not belong to me its a fraud account please close and delete Thank You : XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Phone number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( 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 2017-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.

Complaint:
This debt was for services that we 're not provided, services promised by XXXX XXXX XXXX, bill has transferred from collector to collector to collector because XXXX XXXX XXXX promised a service & a rate, then I was told by Customer Service " the internet service they offfered could not be supplied at the promotional rate that I was promised ''. This amounts to 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 2020-05-01
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: EQUIFAX, INC.

Complaint:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that XXXX would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from XXXX has a 90-day late payment as of XX/XX/XXXX. I called XXXX today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about 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 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint:
I am sorry to report that I am again writing you about unauthorized funds taken from my Chase checking account. ( I previously wrote about incidents in late XXXX which you have advised Chase has yet to investigate and respond to - complaint # XXXX XXXX. 

This most recent problem occurred on XX/XX/XXXX, when I noticed three unauthorized debit card withdrawals from my checking account, each for {$200.00}, made from the Chase branch at XXXX XXXX XXXX in XXXX. A total of {$600.00}. I called Chase and they temporarily restored the funds while they investigated. Today, XX/XX/XXXX, they sent a letter to say that the withdrawals were authorized and entailed using my chip card. However, I have never lost my card or had it out of my possession. I live alone with a child and no one can even visit our home during this pandemic. I have a clean banking record and manage my money carefully. And my card was replaced after the XXXX incident. I asked if they were up to speed with sophisticated cyber crime that might enable a thief to replicate a chip card. They say that they are. This has to stop and clearly my money is not safe at Chase. I will keep this account open ( with minimal funds ) for the purposes of an investigation, but I believe I need a new bank, one that can manage accounts safely and has a longstanding customer 's needs and protection in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
On XX/XX/2023, through a credit report, I found out that my down payment of approximately {$14000.00} was misapplied to my loan. It was supposed to be paid forward as 39 months of payments, but was applied incorrectly. Bank of America, without any communication whatsoever charged off my account and marked 6 months of payments as being " late, '' when it was their error to begin with. This caused my credit score to drop around XXXX points, which is detrimental as I am trying to apply for a home rental. I am becoming extremely livid with the sluggish pace of the " resolution, '' which has take over a month to even UPDATE the charge-off reversal status. It's been in limbo for OVER A MONTH without official reversal even though it's supposedly been " approved. '' Every representative I speak to acknowledges that it's Bank of America 's error, but the issue at hand is not being taken nearly as seriously as it should be, nor is action being taken quickly enough. I'm teetering on the line of whether to seek legal recourse for the issue because of how greatly they've royally screwed up my excellent credit and put me at risk of having my car potentially REPOSSESSED for incorrectly charging-off my auto loan and not even informing me that there was an issue with how the original representative supposedly " fixed '' my initial issue. Oh yeah, that's right they screwed it up TWICE, and the second time didn't notify me.

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 2020-05-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint:
The following pertains to a 9-mo Wells Fargo CD for roughly {$100000.00}. 
XXXX - The CD matured. 
XX/XX/XXXX - I called Customer Service, who agreed to roll the funds into my Savings account. 
XX/XX/XXXX - I called back to confirm the funds were moving and was informed the previous agent hadn't submitted the forms correctly but they'd now been re-submitted and would close in 2 days. 
XX/XX/XXXX - Called back and was referred to a Customer Care representative who stated that there was nothing he could do as the CD was now out of the grace period. He then suggested I go into a branch office to try and resolve it. Logistically, this is a problem and is contrary to what the branch executive told me prior to my calling Customer Service. He then offered to have a member from their Case Management Team would contact me in 48 hrs because he was out of options. 
I have all names and times of my contacts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: First Technology Federal Credit Union

Complaint:
On XX/XX/2022 I was assessed an overdraft fee by First Tech Federal Credit Union in the amount of {$33.00} at approximately XXXX. At that time my account available balance was {$540.00}. This shows on a screenshot I have of their online system. There was also a pending charge for {$740.00} at that time, but it was not completed until XX/XX/2022. Before the charge was deducted I both transferred money from my savings account and also received my normal paycheck taking the balance above {$3000.00}. 

I contacted the bank and told them that I was confused about the fee and how it could be assessed when my balance was above {$0.00} and nothing had been paid out that had taken my account below {$0.00}. I was told that " The fee was incurred due to the hold of {$740.00} from XXXX, although the purchase was much less, at the time the item was presented to your account for payment the available balance was {$85.00}. '' which is incorrect or their system is faulty, I was also informed that I am not eligible for a courtesy reversal. I don't feel this would be a " courtesy reversal '' situation as my account still had a balance, and I shouldn't have been assessed an overdraft fee in the first place. I am closing my account with them today.

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 2019-08-14
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-09-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION

Complaint:
This debt has been paid through checking account that was used for verification of an account being open. Debt should no longer be in collections and having negative effects on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: EQUIFAX, INC.

Complaint:
XX/XX/2021 I submitted an investigation and requested a debt validation. Equifax failed to properly investigate the account and remove the inaccurate and unverifiable information from my credit report. I submitted a debt validation request to the original creditor using the same information listed on my credit report and they responded back saying they were unable to located an account with the information provided. 

How is Equifax able to verify, report, and update account on my credit report but the creditor dont have any information regarding this account? 

I am requesting that this account be removed immediately for failure to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : Acct # XXXX XXXX  XXXX XXXX : Acct # XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2020-12-17
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: EQUIFAX, INC.

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-04-26
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:
In accordance with the Fair Credit XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: EQUIFAX, INC.

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 None of the accounts were deleted from my account and are affecting my financial situation.

Company response to consumer: Closed with explanation