hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY

Complaint:
I have banked with wells fargo off and on for over 20 years. Anytime our account overdraws they switch around transactions so a more expensive transaction goes through first then add overdraft fees to more transactions because the smaller transactions aren't able to be covered. My app indicates the correct order as I process transactions but changes once they move things around. 

They claim that they post to the account in the order received from the vendor.

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 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC

Complaint:
Credence Rm - XXXX - is reporting on my credit after my discharged bankruptcy, for a debt that was included in my bankruptcy. They are in violation of the bankruptcy stay. 
They put the collection on credit XX/XX/XXXX and the debt was included in my XXXX chapter XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION

Complaint:
Since late last year I have had trouble with the incompetent grifters at Truist Bank. First they refused to pay a promotional amount as contracted, Finally paid after CFPB was contacted. Second billed the account erroneously for over {$3000.00} and took 3 months to semi-remediate it. CFPB has marked the matter closed when really it isn't. The bank capriciously removed {$120.00} from my checking account by means of a double charge. When caught they did not return it to the checking account it was stolen from. They listed it as a credit to the credit card account. I after waiting for the bank to correct the latest in a long line of mistakes, sent the credit to my checking account and now have been billed {$10.00} for taking MY MONEY and putting it where it should correctly be.

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 2017-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Empowerment Ventures, LLC

Complaint:
my complaint is with RushCard. There was unauthorized charges from  XXXX   XXXX   XXXX / XXXX / 17  {$150.00}  XXXX / XXXX /   17  {$2.00}  XXXX  {$60.00} All   XXXX    charges were not authorized I started the dispute on  XXXX / XXXX / 17  when I first saw the charges, after I called  XXXX   XXXX  and it was unresolved. I filled out all the required paperwork that  Rush  representatives told me I had to fill out and sent them back via fax Since that time I spoke to several representatives but the last one yesterday was  XXXX . I advised him that  XXXX   XXXX  resolved the issue and credited back the card gave them statements that were provided to me by  XXXX   XXXX . On  XXXX   XXXX  they refunded the debit card then  XXXX / XXXX / 17  {$60.00} was refunded. Since that time no money was actually refunded to me by Rush. I received letters stating to try to resolve issue with merchant which I have but rush is holding money now for over the initial 30 days they told me it would take. Everyone told me that I cant speak to the actual department of disputes and that I just had to wait. Wait until  XXXX  which is not right since the merchant has refunded the charges I just need it to be done on the Rushcard side I have asked for phone calls back and received nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/2019 I opened a checking account at Bank of America with a {$100.00} promotion that read : " Requirements to Receive the {$100.00} Online Only Offer bonus : ( 1 ) Open a new eligible Bank of America personal checking account by XX/XX/2019 ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive two Qualifying Direct Deposits of {$250.00} or more each to your new personal checking account within ninety ( 90 ) days of account opening. A Qualifying Direct Deposit is a recurring direct deposit of regular monthly income - such as your salary, pension or Social Security benefit or other eligible regular monthly income, electronically deposited by an employer or other payer into your new checking account. A transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account, or Merrill account is not a Qualifying Direct Deposit. Please see the Personal Schedule of Fees for further explanation of eligible regular monthly income.After you satisfy all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days. The new personal checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive the bonus. " I fulfilled the obligations to meet the promotion and Bank of America refused to pay the promotion, citing that I had received the promotion on a separate account in the past. I appealed that decision because the fine print did not read that the offer was for first time customers only, or that the offer was one per lifetime. Bank of America has since changed the language for their promotion to account for this. Regardless, they refused to pay the promotion even though when I opened the account, the promotion read as above. This raises serious UDAAP concerns and other Compliance implications. Additionally it speaks to the culture at Bank of America.

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 2021-09-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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:
Based on the unapproved request, today I'd like to inform you that there are still accounts on my credit file appears inaccurately, so for that, I would like you to help me to correct these accounts which I never been late to pay my credits. FCRA 605B requires to correct these accounts : OFFICE OF THE ATTY GEN XXXX Balance : {$6700.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00} ; OFFICE OF THE ATTY GEN XXXX  Balance : {$1800.00} ; OAG CHILD SU XXXX Balance : {$5100.00}.

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 2023-03-04
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: Experian Information Solutions Inc.

Complaint:
Hello, I am writing to dispute the negative information on my credit report regarding my XXXX XXXX XXXX account the account number is XXXX respectively. 

I believe that the information on my credit report is incorrect and unfair. I have been a responsible borrower and have always made my payments on time. However, due to unforeseen circumstances, I was unable to make a timely payment on the bank XXXX XXXX account. I had a major injury in the left arm during XXXX and had to get a XXXX done. I had to physical therapy for the next 3 months and could not work. I paid back my due bill on XXXX as soon as I was able to get back to work. I was late there for 120 days and then paid them back. But XXXX XXXX XXXX closed my card and reported the late payments. 

I understand that late payments can have a negative impact on my credit score, but I am requesting that you remove the item from my credit report as it is not a true reflection of my creditworthiness. I have since paid off these debts and have taken measures to ensure that I do not miss any payments in the future. 

I would like to bring to your attention the Fair Credit Reporting Act ( FCRA ) which requires that all information reported by credit bureaus be accurate, fair, and substantiated. The FCRA also mandates that consumers have the right to dispute any inaccurate information on their credit reports. 

I would greatly appreciate it if you could investigate the matter and remove these items from my credit report. I am willing to provide any supporting documentation to help resolve this matter. 

Thank you for your attention to this matter. 

Sincerely, 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 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint:
I went to XXXX to get copies of my credit reports. Upon finishing each one ONLY XX/XX/XXXX allowed me to download the report as a PDF. The other 2 only allowed printing. They should all allow you to download your report. Lot of people can't afford to use tons of ink to print each one.

In addition, XX/XX/XXXX should be REQUIRED to have a help line the consumer can call into with these kinds of problems. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
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:
Wells Fargo, whom I contacted by phon e 4-5 times in the past 6 weeks, c laim an account with the name  XXXX   XXXX  had {$4400.00} deducted in  XXXX . The letter is dated  XXXX   XXXX ,  XXXX  to a  XXXX   XXXX  address ( I used to live in the building ), and I requested Wells Fargo to trace the transaction for me -- they did not to date. The letter contains reference No.  XXXX . Note : this is t he 3rd requ est to CFPB also, and the last response I could not open the indicated text!

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 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
The XXXX XXXX account showing up on my report for {$90.00} is incorrect. Ive never had service with this company. I disputed with both bureaus but it came back as verified. This account is negatively affecting my credit.

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 2020-06-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.

Complaint:
On XX/XX/2020, I contact EOS-CCA regarding a XXXX bill that been placed with them for collections. I advised them when I went in for service the XXXX rep started 5 accounts without my consent.

Further, I advised them I contacted XXXX corporate that day and reported the fraud. Subsequently, I have spoken with an attorney who has affirmed I have a case against XXXX XXXX and am in the process of filing litigation against them now. 

I contacted EOS-CCA because while I could end up profiting greatly from this, I wanted to avoid litigation and decided to propose a settlement offer of {$150.00} and I would then agree to waive my rights to file suit against XXXX XXXX for an issue they are clearly liable for. 

Instead of taking my proposal to their client, an " XXXX '' who was completely aggressive and confrontational refused to ( and a copy of the audio recording I made of the call is attached XXXX to corroborate this. 

I have spoken with an attorney that has conferred by denying to act as the " agent '' that has a duty under " agency relationships '' the collector " XXXX  '' decided to act out of her own emotion and nefarious intents instead. Subsequently, this constitutes tortious interference with a business relationship and I have been advised by my attorney that because suits based on agency relationships do not fall under the purview of the Fair Debt Collections Act and are based on agency law instead that I do have a claim of action. In addition to damages for violation of the FDCPA, violation of The Brady Decision, the Intentional Infliction of Emotional Distress, as well as punitive damages.

I wanted to advise the CFPB of this because this is an example of the worst kind of collection practices that merit an audit by federal regulator officials into the conduct of this agency. 

I am pursuing a lawsuit against EOS-CCA currently. 

It's important to note, that EOS-CCA 's actions not only are a violation of collections law and agency relationship. They are directly responsible for preventing their client from exercising their legal rights in civil suits to mitigate their damages. 

Further, I would contend they have a duty under a civil-action theory to attempt to prevent their client from getting sued ( which they learned about during the dispute in the phone call but intentionally blocked from being presented to their client regardless of the validity of the legal claim held by me against their client, while in the same breath telling me I can not call their client because they represent them. What a bunch of XXXX XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX account XXXX and XXXX XXXX XXXX account XXXX both should be deleted from my credit file according to the settlement agreement documents that I have attached to this dispute. I mailed these same documents on XX/XX/2020 via certified mail for investigation but it does not appear they were not used in the investigation of my dispute that was assigned Experian report number XXXX. These documents show that I settled in full both accounts and that XXXX XXXX XXXX will request deletion of both tradelines.

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 2021-10-01
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:
Equifax continues to put a credit card, XXXX XXXX XXXX, used by my father on my credit report. We have the same name, but he is a Sr and I am a Jr. I do not use this card and am not on the account in any way. 

I have requested via their one process that they make this correction and remove it from my profile, since our date of birth and social security numbers are different, but they refuse. I am not a user or on this account in any form. 

As a result of their inaccurate information, my credit score with them is lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc.

Complaint:
I am refinancing my house with XXXX XXXX  and apparently, I took too long to send the information they need. The first inquiry was made on XX/XX/XXXX which I did authorize but later talking with the loaner agent he mentioned that needs to run my credit score again, I said DONT DO IT, next day I got a notification from XXXX  XXXX about that inquiry. I have screenshots that can submit. The inquiry I don't authorize was made on XX/XX/XXXX. XXXX XXXX  record all their calls so you can ask them for the call on XX/XX/XXXX with 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 2023-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
i have called Transunion and i have notify them in writing that i am a victim of identity theft. Transunion have failed to maintain reasonable procedure to in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. According to the fair credit reporting act. section 609 ( a ) ( 1 ) ( A ), Transunion are required by law to verfiy, through the physical verification of the original singed consumer contract, any and all account that they post on a credit report. I was inform by several Transunion staff staying. there is nothing they can do. i was told they have a right to keep it on my report because my original file did not include those item. and they came back verified. I ask XXXX, XXXX, XXXX who all identify themself as the supervisor. and they will not delete. i demand to see verifiable proof ( i.e an orginal signature on it that you have on file for the account attach. under FRCA unverified account must be delete

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 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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 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. 

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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 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
Company was negligent with customer data, with the result of putting the entire system with which the country does business at risk. The data that was stolen may invalidate the way we bank, secure our financial reputations, and are identified by the government. This does not even include the extreme risk of personal identity theft and the loss of money, time, and emotional wellbeing that goes along with that.
The additional information that Experian has lied overtly in their online web portal by randomly reporting if customers are victims of the hack is further evidence of their willful negligence.

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