hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP

Complaint:
Since XX/XX/2021 my US Bank ReliaCard, which is where my Oregon Child Support Funds are deposited, has been inactive due to an attempted ACH transfer that was in question. 

Back in XX/XX/2021 I verified that the ACH transfer was attempted by me, and was told that all I needed to do to unlock my account was upload my Florida DL via web portal, and that my account would be activated within 5-7 business days. I immediately uploaded the copy of my ID and my selfie, as requested by the verification site, but weeks went by and my account was still locked. 

I called back, and once again was given the same information, so I once again uploaded my ID and selfie to the portal, and proceeded to wait. After another 2 weeks my account was still locked. 

I called 4 days ago, and was told they were escalating the situation and that I would be able to call back later in the week for more info. 

I called today and was given a completely different story than what I had previously been told which was that what needed to happen is that I needed to verbally verify, once more, that the transfer was initiated by me on XX/XX/2021, then fax or upload my ID directly through my mobile banking website. I proceeded to do this immediately after getting off the phone, waited a couple hours, then called back for a status update. 

When I called back, the customer service agent was extremely condescending, laughing as she told me that there is nothing she or the supervisor could to to help me. She finally transferred me to supervisor XXXX, who was able to verify that my info was received today, and told me that I would have to wait another 5 days before my account would be unlocked. She said there is no way to contact the department who does the verification, and that I would just have to wait. 

On top of it all, when I told XXXX the supervisor about how I was treated by the other agents, she simply said she would take note of it. I told her that she needed to speak with her staff, which she just ignored. 

The problem - aside from the 6 week runaround and misinformation that Ive been receiving - is that I had done every thing that I was asked to do, multiple times, and still do not have my money, which I desperately need to pay my rent today. 

On top of that, I was mocked, laughed at, and made to feel stupid for being upset about it. 

After doing a quick web search, it seems that US Bank ReliaCard has a bit of an issue with this situation, that has been repeated time and time again for numerous customers, all of whom needed their money to survive. 

Child support, unemployment and other types of government funds are not something we receive for fun or pleasure. This is the money we use to pay our bills and live, and this kind of treatment needs to come to an end.

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 2023-03-17
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX is inaccurately reporting information on my consumer report. XXXX is showing a 90 day late payment in XX/XX/2023 however I was not late in XX/XX/2023 and XX/XX/2023. I contacted XXXX and they didnt correct this error.

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 2023-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC

Complaint:
The fees that we charged from the auto loan from Global Lending Services exceeded the amount and timeframe of the loan. The loan should have been paid off and due to extraneous fees the loan was extended beyond the worth or value of the car. Not to mention the {$5000.00} that was spent on the car after the major manufacturer defect found on the car which consisted of the persistent money being spent on the car which should have been considered a lemon after so many recalls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY

Complaint:
Someone other than myself who was not authorized by me has illegally obtained a credit card and defaulted on the charges. This collection agency purchased the debt from a credit card issuer that is no longer in business and illegally obtained a default judgment against me without my knowledge. When I was made aware of the debt, I requested evidence to support/validate the debt as belonging to me. This company has nothing to support the debt or judgment being accurate.

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 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Capital One Bank is reporting duplicate inquires that I do recognize. Duplicates not authorized at no time do I recognize these duplicate inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
I noticed an inquiry from XXXX XXXX on Equifax report. I contacted Equifax and informed them that an inquiry was made without knowledge and authorization and I did not do it nor did I approve of it therefore it must be a fraudulent inquiry. They told me to contact XXXX and inform them about the matter. After contacting XXXX 's they told me there is nothing they can do if no account was opened. I then contacted Equifax back to have it removed but they refuse to remove it telling me it's a factual inquiry. I want this fraudulent unauthorised inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
obtained this unsecured loan to pay off my credit card, I obtained a {$10000.00} with payments of approximately {$350.00} per month, however, XXXX XXXX has been paid twice and is refusing to update my report to reflect the decreasing balance

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 2022-05-14
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: HSBC NORTH AMERICA HOLDINGS INC.

Complaint:
In accordance with the Fair Credit Reporting Act, HSBC Bank Account # : 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 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 2023-07-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I am hoping for a quick update or correction regarding this matter. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2020-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Risecredit, LLC

Complaint:
RISE has reported an account in collection to the XXXX  credit bureau. I have contacted them numerous times by mail requesting validation of this account. They did not provide any details about their authority to collect this debt, a copy of the last billing statement sent to me by the original creditor, or provide a copy of the written agreement that created my original requirement to pay. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires consumer reporting agencies ( CRAs ) to adopt reasonable procedures for gathering, maintaining, and distributing information. Transunion is not reporting my XXXX account on my credit report. XXXX is in good standing and Transunion refuses to add it back on my credit report.Transunion says i disputed my account in ERROR. I have spoken with fingerhut several times and they have stated that my account is being reported to transunion every month and that transunion should be reporting my payment history in me credit report. XXXX is NOT A FRAUD ACCOUNT. this is a honest account. STOP ADDING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. STOP SENDING DISPUTES TO OTHER CRA 'S WITHOUT MY PERMISSION. STOP SENDING FRAUD ALERTS TO OTHER CRA 'S WITHOUT MY PERMISSION. Please correct your ERROR and ADD my XXXX account back on my report. This is ILLEGAL and i will sue in my state if this error is not corrected.

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. ... The law is intended to protect consumers from misinformation being used against them. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.Consumer reporting agencies may not report outdated negative information.In most cases, a consumer reporting agency may not report negative 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 explanation
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation

Complaint:
Company closed my account. No Reason given.. However, the account was only a few months old. I believe that this action is actually discriminatory. Fortiva offered the account to open as an additional account to my original Retail account and they specifically marketed to me this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint:
THE NEWS HAS REPORTED THAT EQUIFAX INFO ON MORE THAN 140 MILLION PEOPLE WAS  COMPROMISED IN XXXX. DOES NOT EQUIFAX HAVE THE RESPONSIBILITY TO NOTIFY THOSE WHOSE INFO WAS COMPROMISED? WE SHOULD NOT HAVE TO SIGN AWAY OUR RIGHTS TO SUE OVER IDENTITY THEFT TO FIND OUT ( WHAT PEOPLE ARE REPORTING ON XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.

Complaint:
On XX/XX/2023, I discovered that there were debit card ( Citibank Checking Account ) transactions that I do not recognize or authorize. I called the Citibank customer service and filed a dispute on 12 transactions in a total amount of {$1500.00}. all of them happened between XX/XX/2023 and XX/XX/2023. The agent over the phone told me that they will review the inccidents and credit the amount withing 10 days. However, it did not happen and I received a mail saying that I am responsible for those charges. 

During the perioud and even afterward, I have had the debit card with me all along and nevered revealed the card number or the PIN. While those transactions occur in other states such as PA, MN or in XXXX XXXX, CA, I stayed at home or at work in XXXX California. 

There were 10 XXXX transaction, within 3 days and 8 happend on the same day. Even none of them in an amount over {$800.00}. In anyone 's eyes, it looks suspecious enogh and I believe Citibank should have noticed it before I take a look at my transactions and should also have blocked the transactions. And of course proactively let me know, just like other financial institutions do. ( I had experience with Case card being blocked and notifying and requesting confirmation by text messages, as out of state transaction occur. ) I am writing to an appeal letter to Citibank, as well as submitting a complaint here. 
Copies of the letter from Citibank and the statement ( With the transactions underlined ) in PDF format attached.

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 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
An affidavit titled " NOTICE AND DEMAND TO PRODUCE PRIMA FACIE EVIDENCE AND PROOF OF VERIFICATION was sent to Equifax on XX/XX/2020 via USPS Certified Mail # XXXX demanding Equifax to certify the accuracy and veracity of reported information under the pains and penalties of perjury. The items in question are being demanded to be verified under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Equifax was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as no valid proof or evidence was provided, amounting to false and misleading entries/statements being " verified/validated '' without consequence to the perpetrator of the fraudulent activity. The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY

Complaint:
The bank was notified Of identity theft And still allowed withdrawals from the account In the amount of {$98000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: 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.

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
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL

Complaint:
I was previously employed with XXXX from XXXX, and after my separation from the company I decided to pay some credit cards off, with my XXXX credit card being one. I paid it off on XX/XX/19 to help my credit score, and eliminate a monthly payment. Today, XX/XX/19, I was looking over my accounts as I do regularly, and I noticed that my XXXX account showed a {$0.00} balance, but there was no available credit, so I called the number on the back of my card. I spoke with a representative, and they said my account was closed because of my credit report. One, I didnt request a limit increase, so why were they running my credit without my consent? Two, I made all of my payments on time, so I wasnt a bad or irresponsible customer. Three, my credit score increased due to paying off the cards that I did. I need a good explanation as to why they shut my account down, hurting my credit score, because from where I sit I feel I am being retaliated against for separating from the company.

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 2019-06-26
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 am a victim of identity theft and my 3 credit reporting agencies removed some incorrect information but not all and some were put back on my credit report after they were previously removed.

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 2021-09-23
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: JPMORGAN CHASE & CO.

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation