hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.

Complaint:
Best Buy Case # XXXX On XX/XX/XXXX at XXXX someone made an unauthorized purchase on my Best Buy credit card ending in XXXX in store at the Best Buy XXXX XXXX XXXX XXXX XXXX XXXX for {$820.00}. They bought a XXXX hair dryer and a new phone. I did not make this transaction and at the time it took place I had not even recieved my credit card in the mail yet. I also was at work when the transaction took place and provided a copy of my employments payroll software to show I was at work during this transaction. I have had my claim denied under insufficient evidence that I did not make this purchase according to Best Buys fraud department. I have no one but myself as authorized to use this credit card and they asked me if I know a XXXX XXXX and if she is authorized to use my card. I told them I do not know anyone by that name and no one but myself is authorized. My claim still got denied so I opened up a police report with XXXX XXXX XXXX for credit card fraud. Case # XXXX with XXXX. 

I have asked that when my case is reopened they provide a different investigator. Also have been hung up on from the fraud department when trying to get help. Please help 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 monetary relief
Consumer complaint received 2022-07-12
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 submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$8200.00}, XXXX XXXX Balance : {$5600.00} "

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 2017-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica

Complaint:
Called on XX/XX/XXXX to confirm date of deposit for benefits being deposited into checking account. Unable to authenticate in the automated system. Could n't get in touch with a live person. Finally able to contact someone on XX/XX/XXXX and found out that the debit card had been canceled and a new card ordered on XX/XX/XXXX that was not authorized. I was able to get though to fraud on XX/XX/XXXX to get the fraud forms for the unauthorized debit card being ordered. Received forms on XX/XX/XXXX. Once they were received, was able to contact another live person on XX/XX/XXXX to retrieve the transaction history to see what transactions were unauthorized. Mailed the documents on XX/XX/XXXX and mailed to Texas from Oregon. Called in and spoke with a live person on XX/XX/XXXX to confirm the forms had been received and the claim had already been declined. I have disputed the investigation with the bank because they had not done their due diligence in allowing a person not me to order a debit card and drain my bank account and then deny my fraud claim per Regulation E. A police report with the XXXX Police Department has been filed. I was in the hospital and XXXX during the time of fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-04
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:
This has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - Experian, XXXX  and XXXX.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?

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 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I have an address XXXX XXXX XXXX. XXXX XXXX XXXX listed on my Experian and XXXX  credit reports even after filing a policy report and calling the entire months of XX/XX/XXXX and XX/XX/XXXX they refuse to remove this address. XX/XX/XXXX has not update my credit report with any accurate information and refuses to remove a fraud account ( XXXX XXXX ). Dealing with this credit bureau has been a nightmare and I am a consumer who takes pride in having a clean and good credit report. I have filed police reports, Ive sent in countless pages of supporting documentation even a fraud license that had my name and the fake address listed on 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 non-monetary relief
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I had a Capital One card for years and I asked them to take off the monthly fee that I had been paying for years and they refused so I paid the entire amount of {$1400.00} off on XX/XX/2020 and closed the account. Now they are saying that I owe another {$18.00} for interest even though I paid the entire amount due. I called Capital One and spoke with two people, one told me here was XXXX, and I can't remember the first ones name, but XXXX went into a long reason why I was still paying interest. I told her that with this system I would be paying interest forever and I don't think it is legal and if it is, it shouldn't be. When something is paid in full that should be it!!!!!. Please explain to me how and why they can do this. Please publish this because I am sure the consumer is not aware that they are being charged interest even though they don't owe anything anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.

Complaint:
I would like to exercise my rights through Dodd Frank and UDAAP " Unfair, Deceptive Acts, Abusive Acts and Practices. The practice caused injury to my financial future and health. The practice was deceptive it was misleading. It was abusive material interferes with the ability to understand a term or condition of a consumer financial product or service. Offered me a XXXX XXXX degree without XXXX classes, which caused additional high pricing without my XXXX degree. All other colleges offer XXXX classes with their XXXX degree 's. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Albert Corporation

Complaint:
XX/XX/2023 XXXX took {$140.00} dollars out of my account an it was more then they should have it was taken at XXXX eastern time. I tried to contact them an they kept giving me the run around an not really answering my questions

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY

Complaint:
Wells Fargo offers a " Returned item and Deposit Details '' service to customers for a fee of {$3.00} per month, allowing customers to view copies of deposited check images in online banking. Their terms state that " This fee is charged only during a month when the service is used ''. This can be a useful service and tool, well worth the {$3.00} fee when needed. ( See page 24 of attached PDF, referenced as page 35 within the booklet ). However, this fee has occurred on monthly statements in which the service has not been rendered, or the service was used without our positive consent. A ) Wells Fargo should be forced to alert the customer with a pop-up that a click within online banking will result in a fee for that month. The alert should require positive consent from that customer that acknowledges the fee will occur that month. B ) If the check image is unavailable for viewing, the customer should not be charged a fee as no service has been rendered ( see attached screenshot ). I consider this similar to the XXXX scenario, where a customer must consent to a purchase prior to downloading an app/music.

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 2017-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.

Complaint:
Around XX/XX/XXXX, Capstone Credit & Collections began reporting a collection account to various credit bureaus from a supposed debt owed to an apartment complex from XX/XX/XXXX, XXXX XXXX. As this collection is not only inaccurate, but I never received notice of it before seeing it on my reports, I have attempted to dispute it. These attempts have been in vain. I have yet to receive any response or documentation of the supposed debt. XXXX XXXX never even so much as sent the required written notice that they were keeping my security deposit, as they are required to under Florida law ( it 's supposed to be sent certified mail, so there 's a record of it ). <P/>When I spoke with Capstone 's " collection agent, '' and asked for documentation of the debt, I was told to call the apartment complex since Capstone did n't have it. When I called XXXX XXXX, they said they did n't have it and to check with Capstone. It was the literal run-around. <P/>In an effort to find out what more I may be able to do, I discovered that Capstone has an F rating on BBB, with a 100 % negative review and OVER 30 complaints. The majority of which have to do with their shady collection practices. Though, I suppose it shouldnt come as much of a surprise. With more digging ( aka simple XXXX search ), I found that the owner, XXXX XXXX, is a five-time XXXX XXXX, and has been XXXX XXXX XXXX XXXX, XXXX offenses, and, my personal favorite, XXXX XXXX XXXX and then using it at a XXXX XXXX. It seems that breaking the law at the expense of others is only par for the course for Capstone Credit & Collections. How is someone like this allowed to report data to the major credit bureaus anyway? <P/>This may explain why they were unwilling to help me in regards to a collection that should never have been on my credit in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
XX/XX/2020 and XX/XX/2020 due to Covid 19 the government shut down the country and many states shutdown too. At the time Capital One would only take my payment via phone with a debt card or credit card, I was unable to get through to anyone on the phone due to no one working or limited staffing issues at Capital One the phone lines were left unanswered resulting in late payments being made on my account. I have asked on numerous occasions for Capital One to remove the late payments to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC

Complaint:
XXXX XXXX 2017, an unknown hard inquiry pull was made on my credit report. To my knowledge I did not authorize this pull to be made. In requesting I 'm asking to see valid validation of my approval consent and signature stating I authoriz this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.

Complaint:
XXXX XXXX XXXX / XXXX XXXX XXXX at XXXX account number # XXXX has placed XXXX collection charges claiming that I, XXXX XXXX owe monies. XXXX is placed for {$1000.00} and the other is placed for {$6000.00}. These accounts are INVALID/INACCURATE ACCOUNTS AS I HAVE NEVER HAD AN ACCOUNT WITH XXXX. 

This collection agency also reports itself as NCC Business Services. 

I have disputed three times with XXXX to have this information deleted as it appeared on my credit report on XX/XX/XXXX and it was previously deleted when it first appeared on or about XX/XX/XXXX. The CRA refuses to delete it claiming the debt is verified by XXXX XXXX XXXX with my name and social security number only but yet has no proof of the debt. 

I contacted XXXX XXXX XXXX via phone on XXXX/XXXX/XXXX and they told me that the debt is mine yet made no attempt to try and collect a payment. I requested proof of this debt over the phone be mailed to me ( meaning signed legal documents or contracts and lease, past payments to this creditor etc. ) and they have failed to provide any proof. I emailed them a request for proof of debt and they do not acknowledge this debt nor have any documents to prove other than stating my name, and social security number match. 

Since they can not provide legal proof this debt must be and should be deleted from my credit report. 

I have attempted three times to get this removed and they refuse to respond and have also claimed they have mailed out information to me in XX/XX/XXXX which they never have, but yet are n't trying to collect any payment from me when i demand information. They ca n't produce the information. They are lying and damaging my credit by reporting a false collection. 

I contacted XXXX as well who XXXX XXXX XXXX claims the debt is with and they also have no proof of legal binding lease or contract or any of my personal IDs, past payments etc. 

This is illegal and XXXX XXXX XXXX is reporting false information. XXXX accounts need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.

Complaint:
I have asked for VALIDATION not verification in regards to this account. You have only sent a bill with mine and my brother in laws names. ( Which he already took you to court and won due to you NOT having a signed contract ). I did not ask for a bill, I have asked for a signed contract which is my right under the fair credit act. If you can not provide a signed contract, you must remove this from my report. 
I also stated in my last complaint that the collection agency being used is not bonded in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY

Complaint:
I had a credit card with American Express in XXXX. American Express was debiting my account for payments each month. Without notice, i received a letter from their collection agency stating my account was being handled by their collection department and i had no recourse but to pay the full amount i owed or they are taking me to court. 
After extensive research, i found my rights were violated and American Express used phone calls to threaten me if this debt was not paid in full within a matter of 30 days. 

The debt was handled by an outside collection agency hired by American Express XXXX XXXX  and they filed a civil suit against me in the City Of XXXX XXXX  on XXXX Index number XXXX. 
The attorney representing American Express was XXXX XXXX XXXX Esq. Mail Code XXXX XXXX, NY XXXX. Phone Number : XXXX. 
Due to me not able to retain an attorney or afford one, i had no option but to take their calls. I finally had to settle with the American Express collection agency. 
Later i also found out that American Express did not handle the collection process and it was being handled by an outside agency. 
I would like to see what would be my recourse and if i would also be able to file a complain against the attorney who was constantly calling me with the New York State Bar Association.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.

Complaint:
I have a Citi Premier credit card that I have had opened for several years now. When my annual fee came due approximately 4 1/2 months ago, I called in to cancel the card. To entice me to keep the card open, I was offered a promotion wherein I would receive a statement credit of {$95.00} for spending {$1000.00} on the card in each of the next 3 months. In addition, I would receive XXXX bonus ThankYou Points for spending {$1000.00} on the card in each of the next 3 months for a total of XXXX bonus ThankYou Points at the end of the third month. I completed all requirements under the offer and was provided the {$95.00} statement credit as agreed to, but only received XXXX bonus ThankYou Points despite meeting all the required criteria. 

I reached out to Citi on two occasions to get this resolved and was told that the {$95.00} statement credit and XXXX bonus points was what my account was enrolled in. While that was on option, that was not the option I selected on my phone call with Citi when the offer was made. I explicitly had the Citi representative read back to me the terms before agreeing to the offer, which he did, and which clearly stated that I was to receive XXXX bonus points for every month I spent {$1000.00} on the card for a total of XXXX bonus points.

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 2022-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint:
I checked my account first thing in the morning as I was waiting on two seperate deposits to hit my account. When I checked the account I seen the deposits had posted. A few hours later I went to withdrawl funds and noticed the amount was off I pulled what I could and contacted the bank. I spoke with one representative who claimed the deposits never even happened even though I insisted I was currently looking at the account and seen them then withdrew some of the funds so I know the deposits had posted. He then told me that he couldn't hear me to help despite this not being an issue prior. He told me that there was nothing he can do as the deposits weren't there and got increasingly more rude as I advised the deposits went through so I asked for a supervisor. The supervisor repeated that the deposits never happened then magically advised she sees them and that the funds were not available because I spent the money prior to it hitting my account. I advised her that couldn't be the case as if that happened I would not have been able to withdrawal any money that morning. She then changed her account of my transactions but was still providing inaccurate information and advised me she was just reading the transactions on my account I advised her she was skipping transactions which was my issue how am I supposed to believe what she is saying if I know for a fact the information she is providing is inaccurate she then got rude and advised I should go to a branch then if I don't like the information that she is providing. I let her know I would like to file a complaint and she still didn't offer further assistance but instead continued to ask me if I would like to go to a branch to talk with them and when I again told her I'd like to file a complaint she then kept repeating that she couldn't hear me. It was extremely frustrating to try to get answers and be talked down to and have people I trust with my money unable to answer questions about transactions.

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 2023-04-20
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief