hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Hi, I am an unemployed Californian that receives his payment via debit card. Since first receiving my card approximately a month ago, it has been blocked three times, all without notice of any kind.

This has caused embarrassment and a scramble to pay bills.

The first two times I called, I was able to get the card unblocked with minimal problems and both times received promises that it would not happen again, and if it did, BOA would notify me.

Both those promises were untrue. The third time I called, I was placed on hold for an hour and then given a full " Know Your Customer questionnaire. '' In my frustration, I made two mistakes that I clarified but was told that it was too late and that I must go to a branch with two forms of identification, which is ridiculous and inconvenient. This whole process is so bad that I wonder if BOA is deliberately making it so. Whether or not they are doing it on purpose, they have effectively cut me off from needed funds three times in a month. And are now making me jump through hoops to get it back.

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 2022-04-06
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 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 XXXX : 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 explanation
Consumer complaint received 2020-09-13
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: TRUIST FINANCIAL CORPORATION

Complaint:
Three inquiries hit my credit report in the past week. I even locked my credit profile on all 3 Credit bureaus and the inquiries still managed to be pulled and put onto my report. This caused a major drop in my XXXX  credit score (  over 50 points ). I need these 3 inquiries removed immediately. I have not authorized any such action to be done on my end. These are the three I need removed. These were reported to XXXX REGIONAL ACC XX/XX/2020 XXXX XXXX   XX/XX/2020 XXXX/XXXX  XX/XX/2020

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 2021-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.

Complaint:
To whom it may concern : Subject : Credit Card Decline Letter XXXX XXXX XXXX XXXX ) I am writing to dispute the following information that XXXX  supplied to Comenity Capital Bank. 

I XXXX XXXX applied for XXXX XXXX XXXX/Comenity Capital Bank on XX/XX/2021, as you view the attached letter dated XX/XX/2021 Comenity Capital Bank was unable to continue processing my application until I contact them directly to verify information. 

Upon receiving the letter, I contacted Comenity Capital Bank on XX/XX/2021, to the best of my recollection, I was asked the following question : full name, date of birth date, social security number, home address which I provided via phone. 

On that note I received a second letter from Comenity Capital Bank dated XX/XX/2021, which states Comenity Capital Bank was unable to approve application for XXXX XXXX XXXX reason : Comenity Capital Bank was unable to verify my identity using ( XXXX  XXXX. 

On XX/XX/2021, I filed a dispute with XXXX online asking for removal of the hard inquiry XXXX XXXX XXXX Comenity Capital Bank due to inaccurate information being reported via XXXX  to Comenity Capital Bank XXXX 

Completed dispute ( XXXX  XXXX Confirmation Number : ( XXXX ). According to XXXX  I would have to contact Comenity Capital Bank to remove the hard inquiry. 

After contacting Comenity Capital Bank on XX/XX/2021, to remove the hard inquiry representative stated I failed the security question ( s ) on XX/XX/2021, to the best of my recollection I provided my full name, date of birth, social security number, and home address. 

Apparently, XXXX  has inaccurate information on my credit report which serves as the basis for obtaining credit card decision, so it is conceivable that inaccurate data led to me being mistakenly declined and I truly believe human error occurred on behalf of Comenity Capital Bank while verifying my identifying via phone on XX/XX/2021. 


Sincerely XXXX XXXX Attached : *Verify Identity Letter XXXX Comenity Capital Bank ) *Verify Information Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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 already have two XXXX XXXX branded cards so I had no need for a third. However, I am a frequent flyier and in XX/XX/2019, I accepted an offer to take out a Citibank Executive AAdvantage Card with the large {$450.00} annual fee because the contract guaranteed me free access for one year to their XXXX XXXX XXXX. However, all the XXXX XXXX are currently closed ( including the one here in my home base of XXXX ) and 90 % of their flights are not flying anyway. They have announced that the XXXX XXXX ( which were often packed with people at the best of times ) are unlikely to ever reopen with the kind of at-will access for which I paid {$450.00}. 

I have called Citi three times trying to get some sort of pro-rated refund based on the months I have remaining on my contract -- but Citi 's position is they are entitled to keep the entire fee. This seems like a blatantly unfair rip-off for a service they promised but are unable to deliver.

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 2019-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.

Complaint:
On XX/XX/XXXX I was alerted by XXXX that a collection was placed on my credit report by a company COMMONWEALTH FINANCIAL SYSTEMS. I have no knowledge of this company nor was i EVER contacted about any debt owed. I have not been contacted via phone, mail, or email so I assumed this was a mistake. I don't understand how anyone can placed ANYTHING on your credit without giving you an opportunity to acknowledge it, address it, fight, or dispute it. I don't know if that is even legal to do but I know its not right to do.This is not fair for any company to place for what I know FALSE information on my credit file without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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:
I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as DeptedXXXX are currently reporting inaccurate information Experian, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
DeptedXXXXt are currently reporting inaccurate information Experian, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-11-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC

Complaint:
TRANSWORLD SYSTEM INC is a company I have no idea about. I do not owe debt to this company. TRANSWORLD SYSTEM INC constantly calls me starting from XXXX and before XXXX at night pretty much everyday, since the month of XX/XX/2022, ( over 15 times ) with voicemail stop statimg their company 's names or what is the matter for. This is a violation if this collections co. Also, I found out this can is legal but not accredited by XXXX. I never tried to fox this problem because I was not aware of this company, meaning, calling constantly with voicemails only stating that this is a matter, please contact them at ( XXXX ) XXXX Who's is reply to harrassment with no information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately

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 2019-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC

Complaint:
On XX/XX/2018 I settled a debt in the amount of XXXX with XXXX XXXX XXXX for a debt owed to XXXX XXXX, I have a letter from XXXX   stating the debt was paid in full, it also shows on my credit report that the debt is paid in full, however XXXX XXXX turned around and sold the debt to another collections agency by the name of credence. I have sent Credence proof that the debt has been paid and that XXXX XXXX   sold the account to them fradulently, however XXXX XXXX or Credence refuse to provide me a letter indicating the account is paid and they will remove the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-01-22
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:
On my birthday XX/XX/2022 a foreign person had got access to my account at Wells Fargo and used XXXX to tamper in my account sending themselves XXXX and transfered money from my savings to my checking in the amount of XXXX but I saw this and wells fargo team transfered that back.I had to wait seven days to get the XXXX back was disappointed and upset at why my bank didn't see that as fraud attempt.

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 2022-01-09
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I was a Capital One Venture Card holder. On XX/XX/XXXX, I redeemed my Capital One reward points to order six XXXX gift cards, worth total of {$1000.00} USD ( five {$200.00} gift cards and one {$25.00} gift card ). I closed my Capital One account on XX/XX/XXXX, and double checked with the Capital One customer service representative that the gift cards I ordered were still being processed, and it would take 3-4 weeks. On XX/XX/XXXX, I receive one {$200.00} gift card, but still did not have the other five gift cards. On XX/XX/XXXX, I called Capital One customer service to inquire about the missing gift cards, and the customer service rep informed me that I would receive them no later than XX/XX/XXXX. On XX/XX/XXXX, I called Capital One again, and the customer service representative told me that because I canceled my credit card while the gift card orders were still " under process, '' the gift card orders were all canceled ( except the first gift card they mailed out ) due to account was " not in good standing ''. They could not explain why the reward orders were not processed in the two weeks between my order and me closing the account. Even the customer service representative admitted that it was unfair and bad customer service, but she unfortunately had no power to assist me. There were no alternatives offered. Over the phone, I even asked for the verdict in writing and was denied. Capital One informed me that I would not receive {$820.00} in gift cards, from the rewards that I earned over multiple years, believing that Capital One would honor their program. Capital One did not warn me that my reward orders would be canceled when I closed my account, and at no point in my multiple communication with Capital One did any customer service agent inform me that my orders had been canceled until my third phone call with them on XX/XX/XXXX. Through the Capital One customer service representative, I filed an appeal over the phone on XX/XX/XXXX, and I was told I would receive a response prior to XX/XX/XXXX over email. As of XX/XX/XXXX, nobody from Capital One has attempted to contact me. When I made the gift card orders on XX/XX/XXXX, I believed that I could use those gift cards to purchase necessities and gifts for my friends and family, but at the end, I was out {$820.00} worth of reward points that took years to build up, the effort to make multiple phone calls and staying on hold for long periods, and hours of frustration during the holiday period. Capital One justified all this on the fact that I canceled my account more than two weeks AFTER I redeemed my points, and again they did bother communicating their unfair policy with me at any point. My account was in good standing during the entire duration that I was a credit card holder with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL

Complaint:
Due to recent financial hardship I went over 90 days past due. So i got in contact with XXXX to set up a payment plan to bring my account to current, the deal that was made was {$88.00} a month no interest if I agree to close the account and stay current on payments if I failed to do so the deal was off so I gave them my bank account and routing number to take the payment and was settled from there I believe this occurred XX/XX/XXXX. On XX/XX/XXXX I went to pay and it showed a balance of {$300.00} assuming this was a error I called XXXX, and was told the the agreement was voided due to non-payment, I replied with the bill is not due till XX/XX/XXXX and they said the original payment was never made, I verified they had the correct account which they did so I proceeded to contact the bank to find out what happened since there was plenty of money for XXXX to take. The bank told me that there was never a transaction attempted by XXXX in that time line. I then called XXXX again and explained to them what the bank had told me and they refused to help me at that point trying to tell me the fault was on my end not theres. In my point of view they purposely did not run the payment to try and void the agreement to continue to collect the interest which I had said to the manager that I was speaking with and she just continuely said they are no longer willing to help me and proceeded to report me negative to the credit bureau, at that point I sought legal advise and was told reporting to you was the best course of action

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 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
This company has put " fraud alerts on my account failed to share why requested the authorize users info not mines for verification, which was submitted they then called after confirming they received everything claiming they needed the authorized users that aren't on my account anymore but wont give information on what is going on with my account nor asking for my info to verify me. The representatives were very rude and unprofessional and highly unorganized to be giving piece by piece of information and calling asking for items that aren't needed this information should have been asked for at once. I have had and maintained this account for a while and this by far is the worst experience I have had and I am highly disappointed and will be filing complaints with cfpb, XXXX and my attorney general ask know feel that my rights have been violated, compromised and discriminated. I asked the alleged supervisor XXXX in the Fraud dept for information and she failed to give to me never once was my identity verified when giving information and I know all calls are recorded and on my end, I will be reaching out to my legal team if I don't get solidified information regarding my account and its security this has placed me and children and family at risk cause depend on the card for our necessities. this experience is by far unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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:
The creditor XXXX XXXX XXXX and XXXX XXXX XXXX have agreed to delete the XXXX XXXX  account from all of the credit reporting agencies that it is being reported to. I have a letter of deletion from the creditor to prove 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