hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Corp USA

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.

Complaint:
The following companies have been on my credit report over 4 years. By the Pennsylvania State laws on this it is illegal to try to start the statues over, such as XXXX is trying to do now, see attached. And it is illegal to pursue collection actions when it is over 4 years for credit cards, medical or any collection, see attached. I have written to each of these companies in the last 30-60 days asking to show me a contract between myself and them and Ive recieved nothing from any of them. Please remove these items from my credit report, on all three XXXX, XXXX, XXXX as they are the ones whom are allowing these bogus companies to just do anything, report anything they want. None of the three reporting agencies has proved any contracts to me as I have written to all three to prove these debts. All they keep saying is its verified, but wont say how??? Its updated, all empty spaces and nothing is proven to me not a contract, nothing!!! Why is this allowed?? By law if its wrong it must be removed. If its out of date must be removed. So please remove immediately!!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.

Complaint:
AFNI Located at the below address and phone number opened a claim on my credit report that is not mine. The company has not provided any information on the claim. This is the second time the claim has been reported on my credit report which has caused my credit to be impacted. The company should not be able to create fraudulent claims to credit reporting agencies. 

XXXX, XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.

Complaint:
Hi! I enrolled in Best Buys credit card through Citibank XX/XX/XXXX to buy new appliances for our home. We are frequent buyers of Best Buy and my fiance and I are both in great credit standing. 

Our Balance as of XX/XX/XXXX was {$1500.00} out of {$6900.00}. We paid the majority of this within the first year in a lump sum. They ran a 2 year promotion of interest free and when XX/XX/XXXX hit there was {$2400.00} on my account for an interest charge. Before this and after this, I received XXXX cutesy notification that the promo was expiring or that this would be what would be hitting my account. I recently received ( 1 week ) calls from their call team trying to collect money that now the balance is {$3900.00} within 1 month. I called and tried to talk to multiple supervisors and they told me there's nothing they can do. I offered to pay the remaining balance right away and for an interest charge of the remaining balance. Instead they said there's nothing they can do and I had to pay a 3x of what my outstanding actually is. They had XXXX cooperation and very little customer help. Again, we are frequent shoppers and have perfect standing with credit and the majority was paid. This promo charge is ridiculous considering what the balance left and Citibank is a complete scam with their lack of communication or heads up to their customers of anything changing. They only called to collect after that large interest charge was put on the bottom line. I will no longer be affiliated with either companies. This is a major disappointment across the board.

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 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint:
on XX/XX/2020 I wrote to Experian and XXXX  credit bureaus regarding some suspicious accounts reporting on my credit report. i also tried contacting the business that is reporting this information but XXXX  and Experian do not have any numbers or addresses listed on their credit report so i can contact them. Experian and XXXX  are reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY

Complaint:
I had a checking and savings account they accused me that I committed fraud and I did not do anything then they told me they were going to close both accounts under there decision and I was very

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 2020-11-18
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:
MY STUDENT LOANS WERE CONSOLIDATED IN XXXX  BY XXXX. XXXX XXXX RECEIVED PAYMENT FROM XXXX ONXX/XX/XXXXI AM CURRENTLY UNDER AN INCOMEBASE PROGRAM WITH XXXX DOLLAR PAYMENTS. XXXX IS STILL SHOWING ACCOUNT AS ACTIVE AND ACCURING INTEREST MAKING THE BALANCE HIGHER - COULD NOT GIVE ME THE BALANCE IN WHICH THEY ARE BASING INTEREST WHEN LOAN WAS PAID UPON CONSOLIDATION. SPOKE TO 3 DIFFERENT REPRESENTATIVES, ALL HAD A DIFFERENT STORY. THEY REFUSE TO GIVE ME MY PERSONAL DOCUMENTS. SOME REPS WERE RUDE AND GAVE FALSE INFORMATION. THEY ARE NOT ACCURATELY REPORTING MY STATUS WHICH HAS HAD A SIGNIFICANT IMPACT ON MY CREDIT AND SCORE. THIS WAS DONE 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 2016-09-16
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CNG FINANCIAL CORPORATION

Complaint:
My Credit Report now shows a " Collections '' account regarding a " Check N Go '' account from 2011 being collected ( and reported to Credit Bureaus ) by XXXX XXXX XXXX in XXXX. I immediately contacted XXXX and told them this was not my debt. They did not contact me prior to reporting ( despite having my email address ). 
They advised me to send them a Police Report ( I.D . Theft ) and they would remove it. This was done. They then asked for an Affidavit, which I completed. XXXX XXXX XXXX is polite but they are not transparent about the status or anticipated resolution. 
They illegally reported this, they did not contact me prior, and they have not yet removed this despite me complying with every action they 've asked me to take. When I ask about resolution.. they respond " It 's in " Research '' ''. 
I did have identity theft in 2011 and had to change my bank account. I explained this and provided them with a police report. 
There is no apparent resolution, yet my credit report has been severely impacted and I was denied a XXXX card which I needed for work expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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:
The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped 69 points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? 
_______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate.

______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.

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 2023-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation

Complaint:
PayPal prepaid masterCard. I put {$80.00} on this card cash at a grocery store so I can use this card online and they took my money. It's been three weeks now and I could not activate this card so I can use it. Customer service keeps telling me I will get a check refund but it has never came. I keep getting the runaround on phone and email, only to find out that they still refuse to send my refund check. They refuse to give me my {$80.00} back. I feel like they are a scam.

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 2021-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.

Complaint:
I recently obtained a copy of my credit report. National Credit Systems continues to violate my rights according to Fair Debt Collections Practices Act ( FDCPA ). Also this company is in violation according to 15 USC. 1692. I have attached a copy of my ID. This company is defaming my character by constantly reporting this debt on my credit report which is a violation according to 15 USC. 1692d.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. Also, the student loans are in mandatory deferment so no way to incur a late. As well as how can I get a 90 day late when you never been 30 or 60 days late You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 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 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC

Complaint:
I believe my next door neighbor used my personal information to get her electricity on in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation

Complaint:
On XXXX XXXX I received a phone call from my bank asking me to verify my information in order to receive payment from IRS of XXXX. After speaking with my bank ( within minutes ) my account had been debited for XXXX. I immediately called the bank back ( the number on the back of my card ) and told them I think I may have just been scammed. I instructed the bank to immediately just close my account and mail me a check. I have called Netspend multiple times regarding this issue as I have yet to have access to my XXXX. I was told on XXXX XXXX that a check had been mailed and given a bogus tracking number. I filed a police report the night of the happenings and I have sent over all required paperwork. I keep getting a run around from this bank ( Netspend ) and would appreciate any help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: All State Credit Bureau, Inc.

Complaint:
AllState Credit is attempting to collect on a debt that is NOT owed to them. I have repeatedly sent them letters asking them to VALIDATE this alleged debt they say I owe them. They have yet to send anything validating I owe AllState Credit Bureau this alleged debt.They have marked my credit report in a collection status. My credit report shows XXXX dollar amount and account number and the letter they sent in the mail shows a different dollar amount and a different account number. AllState Credit Bureau is reporting inaccuracies across the board. According to my credit report, there is no date of first delinquency, there is not a date of first major delinquency and the balance is not correct I want to have this account PERMANENTLY deleted from ALL XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY

Complaint:
I sent Wells Fargo and there registered agent a billing error notice. They have 30 days to fix it. As a consumer, they failed to apply a credit that I am due, and also, they withheld this disclosure from me. Pursuant 12 CFR 1026.13, this constitutes as a billing error. Wells Fargo is notorious for shutting down consumer 's accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and can't do to the consumer. I feel as Well Fargo has taken a advantage of me for a long time. They withheld this disclosure while I was paying them when I was due a credit. I have been with Wells Fargo for over 15+ years. Im demand my credit be applied every month as stated. The same letter was also sent to The XXXX Attorney General.

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 2023-06-08
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:
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.

The letters are stated with items and issues.

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.

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 2021-05-04
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:
XXXX is misreporting my transferred mortgage to Equifax. The mortgage was transferred to XXXX bank, which is reporting the account correctly. This error is hurting my credit and making it difficult to open new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE

Complaint:
On XX/XX/2021, I initiated a transfer of {$100.00} from my checking account to my money market account. I received an error on the transfer and tried a few more times, unable to get it to go through. On the morning of XX/XX/2021, I contacted Schwab customer service because I continued to get an error message. A team member on the brokerage side attempted to do the transfer for me but also encountered an error. She transferred me to a representative on the banking side who was able to get the transfer through. 

That afternoon, I looked at my account and saw that nine transfers of {$100.00} left my checking account. It appeared that one went through for every time I or a customer service rep attempted to make the transfer. However, when I looked at the brokerage account, only one transfer of {$100.00} went through. This left {$800.00} missing from my checking account. 

Since XX/XX/XXXX I have spoken with multiple representatives at Schwab. Given their long hold times, I have spent many hours on the phone waiting for help. Each customer service rep I have spoken with has told me the issue was known and was being worked on. Each promised me the issue would be fixed by the following business day. As of today, XX/XX/XXXX, the issue still hasnt been fixed. 

If I would have overdrawn my account I would have incurred bank fees as a penalty. Instead, in this situation, I have to float {$800.00}, money that can not be spent or invested, because of a banking error that Schwab staff is seemingly unable to resolve. I have been told by some reps that the eight erroneous transactions would be voided and the funds returned to my checking. Others have told me the eight erroneous transfers would be completed and the {$800.00} moved to my brokerage. I am unable to understand why this issue can not easily be resolved and have completely lost both patience with this process and faith that my money is safe with Schwab. 

It is worth noting that in the middle of this issue, I encountered another issue with Schwab whereby a stop limit set on a security I once held with Schwab but later transferred to XXXX was activated. I had an alert in my account showing I owed those securities back. Thankfully, they were able to void that transaction but it only adds to my impression of Schwab having issues with the way in which their systems hold and manage my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief