hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.

Complaint:
Suntrust bank dishonestly and erroneously stole a total of {$100.00} from my checking account. On XX/XX/XXXX, a deposit of {$340.00} was made to cover a withdrawal to my sons ' college education fund that was scheduled on the same day. Suntrust falsely noted that the deposit was made on XX/XX/XXXX - even though I have a receipt indicating that the deposit was made on XX/XX/XXXX. Suntrust then charged a {$36.00} overdrawn fee even though the account became overdrawn only because Suntrust made a mistake by not crediting my account on the right day ( June 18 ). 
Because Suntrust erroneously charged a {$36.00} fee, there was not enough money to cover a check of {$15.00} that was paid the next day ( June 19th ). Suntrust then levied two additional {$36.00} overdrawn fees. In other words, Suntrust 's mistake in the deposit date caused three overdrawn charges amounting to a total of {$100.00}. 
To make matters worse still, Suntrust told the CFPB that it had contacted me regarding this issue. But it has not yet done so. Suntrust refunded only one of the three fees and therefore, it still owes me 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 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 non-monetary relief
Consumer complaint received 2022-06-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.

Complaint:
I XXXX XXXX date on XX/XX/22 am demanding Caine & Weiner to provide me a validation of debt pursuant to 15 U.S. code 1692g, and also, who gave you the rights to violate my rights to privacy?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY

Complaint:
I was sent a letter from WF saying my account was negative for a bad check but like I told the reps I spoke to about this that I didn't cash or deposit any checks and wasn't going to pay for something j didn't do eventually WF just stopped reaching out or returning my calls and my account was closed

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 2020-08-05
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: EQUIFAX, INC.

Complaint:
During the month of XXXX I initiated a dispute with Equifax in regard to the erroneous medical debt that has been placed on my credit file by specialized collection systems. Equifax is THE ONLY credit bureauout of all three that has allowed this erroneous collection to report to my credit file. Equifax has recently stated that they verified this alleged debt with XXXX XXXX XXXX, XXXX. This can not be true because this debt is invalid. 

In pursuant to the FCRA section609 ( A0 ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who verified XXXX XXXX XXXX XXXX. I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged balance being placed on my Equifax consumer file. All information in pursuantto the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
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 have disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency PRA which also cancelled contract. I paid PRA in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.

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 2023-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio Recovery Associates , LLC have violated my Rights pursuant 12 CFR 1006.34 ( c ) and 15 USC 1692. I exercised specified remedy on XX/XX/2022 when I sent notice of debt validation via Certified Mail Receipt to the address on file for XXXX, XXXX 's disputes department. I did not receive a signed receipt back. However, I did notice that they did in fact received my letter and request for validation using USPS 's online tracking software. Shortly after, I received a letter stating that the debt is validated along with statements. XXXX, XXXX failed to provide all of the required documentation pursuant 12 CFR 1006.34 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2022-04-14
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: AMERICAN EXPRESS COMPANY

Complaint:
Tried to transfer the points I earned and my account was being reviewed. Can't book the flight I want to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint:
Tried to log into online app with Citi as I have for a year or so and got a message there was a problem with my account and to call them. 

Did so and answered there security guestions correctly. Was told they would text me a code to read back to them but after three attempts was told they had an error in their system. Then was told I had been left a voicemail on XX/XX/19. Looked at my recent messages. Nothing there. 

Was passed to a superior and told all they could do for me was send a letter to the address on file or call back from another number. 

I explained I have no other number and had moved and had a new address ( one of the reasons I was logging on in the first place to change ). Was also logging in to increase payments to pay off before 0 % interest offer expired. 

Was offered no other resolution to fix this issue. Looks as if they are trying to keep me from adjusting payments to pay off prior to 0 % interest offer expires. 

They wont even switch to a mailed statement to the new address. Looks as if Im just locked out of the account but still expected to pay it. 

I need this resolved ASAP.

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: Credit reporting 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.

Complaint:
I cancelled This Equifax recurring Transaction ion XX/XX/2016 at XXXX XXXX and have the Email from Equifax To prove it and the continued charging me almost 4 years later till I called tonight and they cancelled it again.

I tried to get my money back and they refused.

I need help getting my money back to my Credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC.

Complaint:
I paid off my kay jewelers loam off in full and all of a sudden two years later they say I owe money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$350.00}.

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 non-monetary relief
Consumer complaint received 2023-05-22
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:
Hello. I sent letters to all 3 credit bureaus on XX/XX/2023. I asked them per the FCRA 609 clause to provide physical evidence of the accounts in question and also I provided proof of my address and asked the other incorrect addresses to be removed.I have yet to receive anything and the XXXX will be 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
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:
I did not authorize XXXX XXXX XXXX to run my credit 5 times. 

I have been contacting Equifax and XXXX XXXX XXXX since XXXX 2018. The 5 inquiries are still on my credit report. 

Dates : XXXX XXXX, 2018 ; XXXX XXXX, 2018 ; XXXX XXXX, 2018, XXXX XXXX, 2018 ; XXXX XXXX, 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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 disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 


In accordance with the Credit Reporting act XXXX XXXX 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 : 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 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 explanation
Consumer complaint received 2021-03-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to XXXX me if you have any questions or concerns.

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 2021-04-14
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: EQUIFAX, INC.

Complaint:
My Equifax credit report changed my name to name of some other person with similar spelling and included unrelated addresses in my report. This happened last year. 
I have wrote twice to Equifax with proof of my identity and name. However they did not correct my report nor give my any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.

Complaint:
In SXX/XX/XXXX we had Hurricane Irma hit us. We called our mortgage company, PNC, and was told we could do a natural disaster forbearance for 6 months. I continued to pay my mortgage starting in XX/XX/XXXX ; only using 3 months of the forbearance. Once the 6 months was up my loan went into loss mitigation and I was started on a trail payment plan. I paid the increase payment for 3 months. My loan is now under modification and is the interest rate is increasing by 1.25 %, increasing my payments by {$200.00} a month, and my credit score is continuing to drop. I have missed three months but PNC have been reporting my credit as I have not been paying my mortgage since XX/XX/XXXX. I have called numerous times and nobody at PNC can help me. Apparently there is no department at PNC that I can speak to that reports to the credit bureau. Me and my husbands credit score has dropped over 130 points and every month they are reporting a missed payment and it keeps dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY

Complaint:
My American Express Blue Cash card was offering a promotion for 8 % back on purchases made by using a special link for to XXXX XXXX website. The offer is good through XX/XX/XXXX On XX/XX/XXXX, I made 5 separate purchases using the link provided by AMEX ( XXXXXXXX ), totaling {$950.00}. A couple weeks later, I checked my account for the accrual of the 8 % in rewards and it had shown that I only earned 1 % instead of the 8 %. I called to advise their CS team that I had not been credited properly. They forwarded the complaint to their tech team which then responded by saying I did not use the correct link and therefore my purchases were not eligible. I didn't think that was true, but let it go at that. 

However, on XX/XX/XXXX, I decided to try it again with another purchase ( 1 transaction totaling {$490.00} ) and this time I was absolutely meticulous about using the correct promotional link and staying on the website all the way though to checkout and purchase. A couple weeks later I checked my account, and again only earned 1 % instead of 8 %. 

Another call into CS led to the same response from their tech team, which was that I ( again ) didn't use the correct link and my purchase was ineligible. I explained that this was unacceptable and I was then given contact info to complain to their executive office.

Today I was contacted by Ms XXXX from their " XXXX '', who told me the exact same thing, that their tech team investigated and said the " wrong link '' was used. She even mentioned she was familiar with this promotion and that her husband had used it. I pressed her by asking if she would check her husband 's account to see if he actually earned the 8 % in promotional rewards and she responded with a condescending chuckle and said she would not do that. I asked her to check anyone else 's account and she refused. She would not entertain the possibility that there might be a technical glitch that was preventing me from earning the promotion and kept repeating that the tech team investigated and found the promotional link was NOT used. She then said there was nothing that could be done and ended the conversation. 

I have been an AMEX cardholder for 21 years and my profession lies within the tech industry so I am closely acquainted with how these systems work and how complex they are. I know also when I'm being given the " run-around '' when someone doesn't want to do any digging or true investigative work. I believe there is a systemic problem with the redemption of this promotion and that it is not applying correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
TransUinion is charging for a free service with deceptive practices and needs to be stopped. We have 3 major credit agencies. With Identity theft we have the right to access these systems free of charge!! I never gave permission for any of these companies to even have my information!!! TransUnion hides behind a free credit report and then charges you money!

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 2016-11-18
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc

Complaint:
Company trying to collect more money than I originally owe or borrowed. I only borrowed {$800.00} they are trying to collect {$1200.00}. I was not aware of all the additional fees and interested. I tried to resolve the matter several times but the companies failed to call me back. I called the 3rd party law office that has my account to do a settlement on the account they refused and said I have to pay {$1200.00}. The balance owed is more plus additional fees and interest that I can not afford. I have no problem paying what I owed I can barely afford all the additional fees and I was also told that a lawsuit was filed on XX/XX/2016.

Company response to consumer: Closed with explanation