hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I was traveling in XXXX, XXXX and tried to withdraw XXXX pesos from a bank ATM ( XXXX ),  which was the equivalent to {$970.00} US dollars from my Capital One 360 Checking account. The ATM said transaction failed, and I didn't end up getting the money. But it still said the money was debited from my checking account. I filed a claim, but today I was emailed saying my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA

Complaint:
I am filing a complaint against Fedloans. I am attempting to get my student loan forgiven through the XXXX XXXX XXXX XXXX program ( XXXX ). I have worked for qualifying agencies for more than 10 years, so I meet this requirement. From XX/XX/XXXX to XX/XX/XXXX, I worked for XXXX XXXX XXXX, and from XX/XX/XXXX to the present I have worked for XXXX XXXX XXXX XXXX. I have provided the required documentation signed by Human Resources officers at both companies proving that I work/worked there. 

My first problem is that Fedloans is saying they havent yet approved/confirmed my current employment. I dont understand what the delay is. I mailed off the signed paperwork last fall. Fedloans approved my employment at XXXX XXXX XXXX but not XXXX. I am 100 percent certain that XXXX is a qualifying company because other people who work there are getting their loans approved and HR told me they dont understand why I have not. When I finally got through to a person at Fedloans ( after no one responded to two separate emails I sent, XX/XX/XXXX and XX/XX/XXXX ), they said there was nothing they could do to expedite the process. They were not willing to talk to HR to confirm my employment. They transferred me to a specialist. After waiting on hold for 1 hour and 20 minutes to speak to the specialist, I finally had to hang up. Because Fedloans is not approving my current employment, I am not eligible for loan forgiveness ( you must currently be employed by a qualifying agency ). 

Other problems I have been unable to resolve with Fedloans : 1 ) I am only being credited with payments made to XXXX. I am not being credited with payments made between XX/XX/XXXX and XX/XX/XXXX. At that time, I was making payments to a different loan company, XXXX XXXX. 
2 ) I am not being credited with two lump sum payments I made, each the equivalent of 6 months of payments : I paid {$710.00} on XXXX and I paid {$710.00} on XXXX. 

Thank you for any help you can provide in resolving this matter. My fear is that Fedloans is going to keep ignoring me until they get out of the student loan business in XX/XX/XXXX and I will miss the deadline for student loan forgiveness eligibility ( XX/XX/XXXX ). 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I recently re-ordered checks for my checking account of 27 years with Bank of America. When I received my check order, the checks included " POD and one of my beneficiaries ' names ''. I never authorized the information to be included on the checks nor would I have ever authorized only one of my beneficiaries to appear on the check and not the other. Bank of America informed me that this is a new policy. I was not informed via mail or email that this was going to be a new policy effective XXXX XXXX was also informed that the missing beneficiary was an " error '' after being informed by another representative that there was only one beneficiary on the account. I also asked for a copy of a letter or notification regarding the new policy. A supervisor from financial services transferred me to the " check department '' and they were unable to provide me with a copy of the new policy. Personal financial information such as beneficiaries should not be required to be listed on checks which are written to utility companies, businesses, etc. nor for anyone to see other than the bank.

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 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
XX/XX/XXXX to ; Consumer Financial Protection Bureau, U.S.Dept of the Treasury, Comptroller of the Currency, All credit reporting agencies, Capital One credit card re ; closing of account # -- -- -- -- -- XXXX, XXXX XXXX I am writing this letter, for a couple of reasons. Mostly to find out why, after over 20 years of having an account with Capital One, they decided to close my account. Not only close my account, but doing so without any apparent reason, and without warning or notice. That left me scrambling to make sure that all my creditors who were being paid by that card, didn't get a lapse in payment. 

A few weeks prior, my bank account was compromised, and that was also quite a mess. I had to scramble and notify every facet of my life that I had, to change my bank account info. Including Capital One. My payment fell into that day that everything was locked, and my bank turned that payment away. I called as soon as I saw that issue and discussed it with them. After a few days, and the billing cleared up, I payed that, and the next amount due. 

I understand that the banking industry has an incredibly strong lobby presence, and the ruling in XXXX 0r XXXX, gave the right for the bank to close any account they want to, without warning, for any reason, any time they want, and not contact the account holder for 10 days to 2 weeks. So that may be legal, but certainly not fair or ethical. 

About 10 years ago, I had a business that went under because I couldn't keep it running due to illness. I had a huge debt that I incurred, not only to suppliers, but to credit card companies. By all rights, I should have done a bankrupcy, but I did not, because of my ethical beliefs. I kept the Caital One card through it all and have restored my credit to good levels. 

I tried to talk to someone at Caital One when we found that the account was closed, but no one would give me a chance to talk with someone, who could explain what the problem was. They said that I would be contacted by mail in 2 weeks. I was told that the office resposible for the closing of the account, didn't have a phone that is accessible to the public. That's about 2 weeks ago, and I still have not heard anything. 

The closing of this account also lowered my credit rating by about 25 points. That is something I guess I have to live with. 
Of course I'm going to pay my last bill at Capital One, even though I've lost cash back from the closing of the account, because that's what I believe is right. 

thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
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: TD BANK US HOLDING COMPANY

Complaint:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards and communication accounts ; these applications resulted in fraudulent inquiries that are now listed on his credit reports. After efforts were made to notify official each of the account providers of the fraudulent applications the account providers still list the fraudulent information on the credit reports despite the issue being related to identity theft. One of the bank already provided a clearance letter confirming the issue was fraudulent and confirming they would remove the data however the information is still being reported to the XXXX credit report ; this is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
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 a victim of identity theft. I have previously notified XXXX XXXX of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. XXXX XXXX opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. XXXX claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. XXXX claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a XXXX Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge XXXX to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted XXXX from my number and I never went into a branch. I have literally never been into a XXXX branch in my life. XXXX is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from XXXX in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ). If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, etc. XXXX XXXX is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. The credit reporting agencies in the complaint ( Equifax and XXXX ) and thusfar not done any sort of actual investigation either and have taken XXXX XXXX at their word and continue to report false, negative and harmful information about me to creditors. This will be the last complaint I file, the next step will be to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL RESOURCE MANAGEMENT, INC.

Complaint:
I checked my credit report today and it showed this medical debt for an ambulance I took. I do not even remember using this ambulance and never received information about this debt it just suddenly appeared like a shadow on my report. The company never contacted me or spoke with me before putting it in collections it just arrived on my report like some shadow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I received an alert on XX/XX/XXXX through XXXX  that Creditor - XXXX ( XXXX XXXX XXXX  ) has reported my account to them as " Chapter XXXX Bankruptcy ''. XXXX  immediately marked the account as " closed '' and my score dropped significantly. I filed this dispute through XXXX  stating that this account was never included in my bankruptcy as this account never existed when I filed in XXXX of XXXX. This account. I requested that they look into this, because it was not only is this inaccurate information, but they are also falsifying information on my credit report and hurting my credit ability as I am in the process of applying to rental properties and the type of work that I do requires me to keep a clean credit record as much as possible. I called the XXXX XXXX  Company on XX/XX/XXXX and they did not show that the account was in such status.They advised the the account was past due {$76.00}, and I went online and paid {$80.00}. Days later I received another alert that my Kohl 's another account ( only reported by XXXX ) was now closed and the account was marked as " Chapter XXXX bankruptcy ''. My scores then dropped significantly. This account was also never opened until after discharge date. I confirmed with Kohl 's that my account was current and in good standing. I am not sure what XXXX is up to, but they are tarnished my credibility as far as my scores and credit report. My scores dropped well over 50-60 points because of this false information. Three years later ( after making every effort to regain my credibility of having filed bankruptcy in XXXX ) XXXX  would decide to add such a derogatory and inaccurate status to my report and cause great damage. My dispute returned from XXXX XXXX XXXX via XXXX  and the changes they claim to have made did not change. Dates are still incorrect, the bankruptcy chapter XXXX is still listed on my report and the account balance is incorrect. How could this company be so dishonest? I requested that the account be removed since it is reporting closed and inaccurate status and this was also not done. While Kohl has confirmed that XXXX  is also reporting inaccurate information and that my account is indeed current and in good standing, I now have to file a dispute with Kohl 's. This is AWFUL!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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 originally filed a compliant against XXXX, XXXX which a rep with XXXX resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted XXXX XXXX customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting XXXX, I've contacted each bureau. I was told, XXXX would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. Please delete the account : XXXX F XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE

Complaint:
I was told I 'd be sent a credit balance refund for over 3 thousand dollars from Barclays. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. Barclays was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau.
I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with barclays again. Their business tactics have been disgusting and appalling Barclays is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query

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 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.

Complaint:
I could not select the proper option from the list, so I apologize for that. There was not a category that addressed this issue. 

I have struggled over the years to get inaccurate information removed, but that is a conversation for another day. My main issue right now is that a few weeks ago I paid off my home mortgage with a lump sum payment. 
As a result of this lump sum payment, my credit score decreased significantly. I believe the scoring systems to be completely fraudulent for punishing a person for paying off a loan early. This is counterintuitive. Paying off an item early should should responsibility, discipline, and high creditworthiness. Punishing for paying off early due to the " longest credit line '' scoring factor is abuse of power. 

In addition, if someone pays off credit cards every month and does not maintain a balance, this should not have a negative impact on their credit score. Currently, It does. People are given higher scores if they keep a small balance on their credit card and just make minimum payments. This is another counterintuitive scoring technique. Isn't the person who pays off their balances every month more credit worthy than those who do not? Leaving a balance and just paying the minimum payment costs the public a tremendous amount of money every year as they are trying to get better credit scores. 

I believe these two items, along with many others is unjust and preys on individuals by lowering scores and making it difficult to obtain credit at good rates when they should be considered highly credit worthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act the following XXXX accounts 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 an account without my written instructions. 

XXXX XXXXXXXX XXXX Opened XXXX {$56.00} XXXX XXXX XXXX XXXX Opened XXXX {$100.00} SPECIALIZED XXXX Opened XXXX {$110.00} XXXX XXXX XXXX  Opened XXXX {$180.00} XXXX XXXX XXXX Opened XXXX {$220.00} XXXX XXXX XXXX  Opened XXXX  {$290.00} XXXX XXXX XXXX Opened XXXX {$720.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX {$1100.00} XXXXXXXX XXXXXXXX XXXXXXXX Opened XXXX {$1100.00} XXXXXXXX XXXX XXXX  Opened XXXX {$1800.00} XXXX XXXX Opened XXXX  {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAA Collections

Complaint:
In approx. XX/XX/XXXX I was in the XXXX hospital for a XXXX   XXXX XXXX XXXX. After one week I had to learn to walk again. Someone from XXXX XXXX   wanted to know if I needed or wanted a walker. I told them, only if Medicare & Medicaid would cover it. They came back several hours later & said it was covered. I went home & approx. 1 year later in XX/XX/XXXX I received a letter from XXXX XXXX XXXX. that I needed to pay {$120.00} for the walker. I called them & talked to the manager who told me that I am responsible for the debt. because she had reimbursed Medicare & medicaid for the amount because it was a work comp. claim. I told her it was not & she said " Yes it is ''. I told her it needs to be re-filed to Medicare & Medicaid but she said NO. I told her I will not pay it so she sent it to AAA collections. I sent a letter to AAA collections & XXXX XXXX XXXX. to cease & disist but AAA collections continues to call & send notices 4 years later. I have talked to several people at AAA but to no avail. I have told every person there that I talked to about this but got no where. Right before XXXX XX/XX/XXXX I spoke with someone that said they would try to resolve this because it has been so long but all they asked for was my credit card #, Bank statements, & Tax forms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation