hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BARCLAYS BANK DELAWARE

Complaint:
On XX/XX/2023, I submitted a complaint against Barclays Bank for withdrawing funds from my account to pay for my wifes debt, which Barclays said I was not responsible for. They promptly responded by phone and followed up with a letter on XX/XX/2023, in which they said, After a thorough investigation, we can proceed with the refund of all payments posted to the account after your wifes passing upon proof of payment for all twenty-one payments along with a copy of Power of Attorney documents. My wife passed away suddenly, and she did not have a power of attorney.

I have now spoken with, and explained that there is no POA, but I have my late wifes will, and death certificate to three different people. Each time Barclays responds, I get a different representative, and each time they said they would have to submit the information to their superiors to see what they are going to do. They have already admitted that they owe me the money ( {$10000.00} ) and agreed that they owe me the money. But now it appears that they are simply running me around, perhaps hoping I will just go away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
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 had a XXXX XXXX XXXX XXXX from Capital One, which was opened in XX/XX/XXXX. Capital One closed my account after having one delinquent payment in late summer of XX/XX/XXXX, which was paid only a few days late. The Bank did not close the account until approximately two months later and did not provide me with a written correspondence either USPS nor email. I learned of the closure by attempting to use my account. Before the closure of the account, I had responded to a GM/Capital One email advertisement that I did not want to receive promotional advertisements from XXXX XXXX XXXX in XXXX, LA because the dealer had been caught rolling back the odometers on used vehicles and I would never purchase anything from that dealership. I telephoned customer service inquiring the problems making a purchase and that was when I was notified the account had been closed. According to the XXXX XXXX XXXX allowed 5 % of all purchases to be credited to a rewards account in dollars to be used towards the purchase of a XXXX vehicle or service. Upon closure of the account, the consumer has up to 90 days to use the accumulated rewards at a XXXX vendor ; otherwise, the reward amount collected is forfeited. Keep in mind that the account was closed in good condition and current status. During the customer service phone call, I complained that since Capital One had closed the account without any formal notification and without cause since it was in current status along with my other three Capital Once accounts, Capital One was basically attempting to force me in to the purchase a new GM vehicle or lose the accumulated reward dollars that was just over {$290.00} & change. I demanded to speak with Executive Level Management because I was not in any financial position to purchase a new GM vehicle and since Capital One closed my account without proper legal notification, I demanded that the accumulated reward dollars be sent to me in the form of a check or credited to the balance of the account. My name and number was taken by the representative and informed me that I would be receiving a telephone call from an Executive Member within 48 hours ; however, that call never came and I have since stopped paying on the account because Capital One had committed consumer fraud and theft of a the accumulated reward dollars, as far as I was concerned. Since then, my financial status has fallen on extremely hard times and I am in the process of filing for bankruptcy still with an unsettled claim for XXXX XXXX XXXX Rewards paid to me. As far as I am concerned, Capital One has intentionally stolen my Rewards of just over {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
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:
Ive been a victim of identity theft and I Have fraudelent accounts on my credit report.

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 2022-10-01
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:
On XX/XX/2022 I filed a Consumer Financial Protection Bureau complaint ( complaint # XXXX ) against Transunion. The investigation was complete on XX/XX/2022 and the XXXX XXXX  account that was on my transunion report ended up being deleted, I recently checked my credit karma transunion profile and it says that my XXXX XXXX  account was closed on XX/XX/2022. How did the account go from being deleted from my consumer report on XX/XX/XXXX, then about XXXX weeks later it's reported as closed? this is inaccurate credit reporting and i request that transunion delete the account from my consumer report instead of having it reported as closed. I've attached proof below.

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 2018-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION

Complaint:
On XX/XX/18 XXXX XXXX billed the incorrect account I contacted M & T and explained that I can move the funds from the account that was supposed not be billed, but the fees incurred were not due to my actions. 
I was told they would be credited they were not and I subsequently got further fees due to low balance. 
I called back again to explain the situation and was promised it would be fixed. 
I received more fees. 
I called back and at asked for some to at least be waived as a courtesy if they were not willing to acknowledge the billing error that started this. 
To date I have received 6 fees due to the snowball effect of not having prior ones refunded.

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 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
All 3 bureaus are reporting this account as debt still being owed. This account was promised to be removed from my credit BUT HAS UPDATED TO 50 % PAID. I SETTLED THIS ACCOUNT WITH XXXX  XXXX AND IT WAS PROMISED TO BE REMOVED. SEE DOCUMENT ATTACHED. THE LAST UPDATE SHOWS I PAID THE XXXX AND XXXX IS STILL OWED. THIS IS INACCURATE

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have asked for validation of these inquiries and audit trail for them and they have failed to do so. 

please remove these errenous credit inquiries from my credit report immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX received my signed physcians statement of permanent XXXX for the XXXX discharge application in XX/XX/XXXX, by certified mail return receipt. 

They received my signed statement in XX/XX/XXXX by certified mail return receipt that I had no income. 

XXXX still has my credit report showing I owe them large amount of money. Not recognizing or recording XXXX discharge.

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 2018-12-23
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Chase Bank XXXX XX/XX/8 unknown inquiring on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 16 USC 1681. 

I told the XXXX, Transunion and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX However, they stated that everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that is not reporting correctly, 15 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Also, they are not in compliance with metro 2 credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.

Complaint:
The company is reporting as new debit and not reporting it to the credit agency as continued date the account was originally opened in XXXX with XXXX XXXX and they are reporting this as current date as of XXXX. I have called and they admitted that the the original date of the debit is XXXX and its not on the end its the credit agency. I have called both them and XXXX  to get this resolved and keep getting anywhere> This is fraud and what they doing is illegal under the guidelines of the fair credit act, they can not change dates and names of the debit owned. Also the amount is wrong as well.

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 2017-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC

Complaint:
On XX/XX/XXXX, I received a letter from Central Credit Services, LLC stating that I owe XXXX XXXX  {$120.00}. I called XXXX XXXX and was told that I had forgotten to return a power cord for the XXXX XXXX XXXX. I was told by the representative to return the equipment and they would credit the account. I returned the power cord through XXXX on XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX ( employee ID # XXXX ) at XXXX XXXX. After an hour and a half on the phone with him trying to figure out where the ball was dropped, XXXX spoke to his managers and found the returned equipment via the XXXX tracking number that I was given. XXXX spoke with the financial representatives at XXXX XXXX who said they would contact XXXX XXXX XXXX, XXXX " at their convenience '' to let them know the debt was settled. I sent a dispute letter to XXXX XXXX XXXX, XXXX on XX/XX/XXXX via certified mail and received a receipt that it was delivered and signed for on XX/XX/XXXX. I received phone calls/messages on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX, XXXX about this debt after I had sent the dispute letter. I called and left a message for XXXX XXXX XXXX, XXXX on XX/XX/XXXX that they were not allowed to contact me about this debt, and they need to contact XXXX XXXX. I received correspondence from XXXX XXXX XXXX, XXXX with a statement date of XX/XX/XXXX stating I still owe the {$120.00} even though the last few pages XXXX XXXX XXXX, XXXX sent me from XXXX XXXX clearly state that my balance is {$0.00} as of XX/XX/XXXX.  The balance was a " non payment partial write off '' on the bill for returned equipment. Now I 'm not sure if XXXX XXXX has even contacted XXXX XXXX XXXX, XXXX about the resolution of this debt. They can be quite a difficult company to work with. Also in the paperwork from XXXX XXXX XXXX, XXXX on XX/XX/XXXX was a bill dated XX/XX/XXXX from XXXX XXXX for {$120.00} with a due date of XX/XX/XXXX. The initial correspondence from XXXX XXXX XXXX, XXXX was dated XX/XX/XXXX which was before the XX/XX/XXXX due date. I had called XXXX XXXX in XX/XX/XXXX and given them our new home address. All of the bills were being sent to our old address even after I notified the company of the address change. This complaint is first with XXXX XXXX and second with XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC

Complaint:
Westlake financial permitted the financing of a XXXX XXXX XXXX l which in many respects was like my dream car I was able to finance at {$5000.00} I have been absorbing a payment for approximately 2 years for which I have fell victim to reposition not only once but twice now after 2 weeks of having the vehicle I had to do a service for the gaskets on the motor for which I went back to the dealer who sold me the vehicle who then did the job himself physically there at the dealership which he said he was permitted to do later I found out that was actually not supposed to happen at all like that I contacted the lender pertaining to this which was was like financial Westlake financial was supposed to do an assessment on the vehicle after it was purchased to ensure everything was functional on the car for which they did not during that time I was forced to do maintenance on that motor totaling over {$6500.00} from absorbing the expense of the maintenance it became difficult to absorb that and the payment it made it difficult to pay both payments intern falling victim to repossession once having the vehicle drug for more than 30 ft by a tow truck then in turn did further damage to the vehicle I then informed the lender for which they gave me no response whatsoever right now I'm currently repossessed than it is in their possession they're requiring that I pay approximately {$1800.00} in order to get the vehicle back I really have a desire to pursue them in other manner because the way that the repossession occurred they even made contact with my other car that was parked next to it which I can prove via video for both repossessions repossessions to show where the damage was incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Had more than 30 days to respond never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2018-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
I was charged a fee by Navient because they stated I was late in making one of my payments in XX/XX/2017. Being a customer with good credit, I did what most consumers do when their lender treats them unfairly, and took my business elsewhere. I refinanced with XXXX XXXX. XXXX sent the money to Navient on XX/XX/8.  Navient LOST THE MONEY, and proceeded to tell me it was my responsibility to prove that the payment happened. Only with several phone calls, tweets, and finally a three way call between XXXX and Navient was the issue finally ( I thought ) resolved. The refinance amount left some of the loan unpaid, so I paid it off. Except, guess who lost the payment! AGAIN! Now I'm submitting online documents. Seems to me this is a convenient pattern of missing payments, in hopes that I am the kind of customer that just forgets about things and doesn't follow up so that they can charge extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
15 U.S.C 1681 5A everything has to be corrected 100 % accurate on the account as shown below in the attached files you can see that there numerous errors on these accounts that things on the credit report are not 100 % correct these creditors have violated this law for a long period of time and they need to be removed off my credit report Account number XXXX Account number XXXX Account number 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 2019-05-15
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: EOS Holdings, Inc.

Complaint:
The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately. 

1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 ) XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 than 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. NOTICE : XXXX, XXXX, and Transunion are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX information of my Estate and ALL of their AMERICAN/CORPORATE ENTITIES/PERSONS that call these three reporting agencies. This IS a direct threat against EVERY customer/client these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY Lawful Credit Reporting Agency.

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