hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-08-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.

Complaint:
1. Opened a premium checking bundle as advertised on the main landing page of first citizens bank to get the {$500.00} sign up bonus after fulfilling the following conditions Earn {$500.00} when you open a new Premier checking bundle and complete the following requirements : Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening Open a new savings account 2. Both the above conditions have been met and multiple emails and phone calls to the bank from last 2 months have got no positive response on the bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-11
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint:
unlawful add inquiry to my 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 2023-06-26
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: EQUIFAX, INC.

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX acct XXXX XXXXXXXX XXXXXXXX XXXX XXXX acct XXXX XXXXXXXX XXXX acct XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
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:
I went to get a car loan and Transunion is still showing my mortgage is delinquent when it is actually current, but since this is the only company the car loan people had access to, they could n't accept any other company 's reports.

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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-08-03
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:
Company removed one of the 30 day late payments but not the one that was disputed. The 30 day late payment in XX/XX/XXXX was paid and all evidence shows it was paid but is still incorrectly on my report as a 30 day late. The company removed the late payment from XXXX but not the one from XX/XX/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 2019-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK

Complaint:
Discover Credit Card currently lists a charged off account on all three of my credit bureaus in the amount of {$1900.00}. This account does not belong to me and should be immediately deleted. I am a victim of identity theft, please see FTC Report. I have attempted to contact Discover ; however, I have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY

Complaint:
From XXXX to XXXX I was charged fraudulent overdraft fees exceeding well over {$XXXX} when wells Fargo Bank was located on the corner of XXXX XXXX & XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX I mean, personally I don't see how I could continuously be charged fees if my account wasn't being funded, but whenever I did receive funds, they were illegally taken to settle outstanding trumped up fees occurred while I was unemployment at the time

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 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.

Complaint:
This account was already PAID and should not have any late payment recorded as I pay this on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I was consistently told the wrong billing amounts, interest rates, billing dates which is against the Fair Billing Act. Reps from Capital One rejected me of the proper documentation to explain the late fees and the correct billing activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC

Complaint:
There must be some mistake. I have written several letters to Arcadia Recovery and they have never responded to me. I have disputed these accounts with the credit bureaus, but it's verified. They must be sending the verification to the wrong address, or they must not have any information about the accounts. I am at a total loss for words. This feels like willful negligence. They are reporting multiple accounts and have never verified one of them to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/XXXX, I went to a branch of Chase in XXXX to seek application for the Chase Freedom Unlimited Credit Card, with their Cash Back Rewards & Benefits shown on https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited. In addition to the normal cashback, they should offer " {$200.00} bonus plus 5 % grocery store offer - up to {$800.00} total cash back '' detailed on their website. I got approved and I waited for the physical card to arrive. 

Since I had XXXX XXXX, I could immediately use my approved credit card. However, I did purchases at groceries stores like XXXX XXXX and XXXX XXXX 's, but the cashback did not reflect with the 5 % they promised, but only the regular 1.5 % rate. I went to the branch asking for information about this problem, and they said they would be looking on that. 

Next week, I went back to the branch with the received physical card, and they answered that they could not honor the 5 % cashback, because they had system issues and asked me to call customer service line. I went back home and called the customer service, and they said that they could actually see the benefit on my card, but I had to wait for the monthly statement to actually see and receive the 5 % cashback on groceries. 

On XX/XX/XXXX, I received my statement and report on the points I earned, and there was no 5 % cashback on groceries at all. I reached out to customer service again, and they said I didn't have the offer at all, and there was nothing they could do, even though I applied for the credit card during the offer period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION

Complaint:
On XX/XX/2021 at around XXXX I called customer service to help me with a charge but instead of helping me they were so rude and made me so sad and angry that my XXXX XXXX right now is so high that I have to make a XXXX appointment now. 
I spoke to XXXX and she was so rude and treated me so bad. She was being XXXX because of my accent and not so fluent XXXX. There was pause in between because she was so rude. I asked for manager and she transferred me to XXXX. I explained XXXX about what happened and started telling me that she is right. I wanted to explain further but he started yelling at me saying do not cut me off while I am talking and listen to me. That is so rude and unacceptable behavior. I want justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG FINANCIAL CORPORATION

Complaint:
I took out a payday loan in XXXX with AXCSSFN/CNGO which is the secondary collection agency that took over for the original lender and even though I filed bankruptcy in XXXX of XXXX, AXCSSFN/CNGO  put this payday loan account on my XXXX credit report as a current debt that is a charged off. The account with AXCSSFN/CNGO was never a charge off and should reflect included in Bankruptcy. I have disputed this information and they still keep saying that it is accurate. AXCSSFN/CNGO is a collection agency that bought the payday loan from the original lender and they are still trying to collect a debt that has been discharge. I have tried calling AXCSSFN/CNGO and they don't even have a number to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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:
I am writing this letter to dispute an item on my consumer report that is inaccurate and needs to be investigated and deleted from my report. The collection account in question is XXXX XXXX XXXX XXXX 

Upon reviewing my credit report, I have noticed that Experian is reporting a last active date of XX/XX/XXXX for this account, whereas XXXX is reporting a last active date of XX/XX/XXXX. This discrepancy in the last active date is causing confusion and misleading information on my report. 

I have contacted the creditor, XXXX, and they have confirmed that the account was last active on XX/XX/XXXX, which is in line with what XXXX has reported. Therefore, I am requesting that Experian investigate this matter and correct the last active date on my report to reflect the correct date of XX/XX/XXXX. 

In addition, I am requesting that Experian delete this collection account from my credit report entirely, as it is no longer a valid debt and should not be negatively impacting my credit score.

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 2023-03-16
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-27
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, US department of education account # XXXX, US department of education account # XXXX, and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.

Complaint:
Navient began giving deferments & forbearance 's for my loan, .... and suddenly I rec'v a bill for the total, ... PLUS interest, penalties - with my orig. loan being {$30000.00}, and the bill ( due immed. ) of {$53000.00}. 
A company called " XXXX XXXX XXXX '' is calling now, .... telling me my loan can be INSTANTLY forgiven! When I asked for information about the company- they just hang-up. 
Their number is : XXXX, ... ... which a search provides no information - except that it is suspected as a scam! 

I've heard that Navient is scamming people, ... & suffering from lawsuits thereafter, so I want my debt cancelled - in full! 
I'm not going to pay - just to be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
On or about XX/XX/2023, I initiated a bank to bank transfer from within my Chase checking account to pull {$1500.00} from XXXX XXXX  into the Chase account. Later that evening, I got a call from someone in an offshore call center. After some verfiication, she stated the transfer would not be processed, but refused to tell me why. Upon logging back into my account, I observed that the transfer was marked Rejected with no reason stated. 

On or about XX/XX/2023, I initiated a bank to bank transfer from within my Chase checking account to pull {$750.00} from XXXX XXXX into the Chase account. Later that afternoon, I got a call from the same number as the call above, but was inable to get to the phone in time to answer. No messages was left and an attempt to return the call was met with a dead end recording and no option to get to a live person Upon logging back into my account, I observed that the transfer was marked Rejected with no reason stated. 

This type of action can not be tolerated. In all cases and valid reason MUST be stated and provided in writing upon request. A valid callback phone must be left to return the call and get to the person that placed it. 

There is a XXXX year unmarred history on this account, so these actions are not warranted. 

I have drawn my balance down to a minimum and will not redeposit any funds until I have a detailed reason as to why these transfers were not processed. From the dates and amounts provided above, Chase will have sufficient information to find the transaction numbers in question to prepare a detailed response.

Chase does not provide a direct way to contact people that take these actions. Customer service is an endless runaround of ineffectiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.

Complaint:
I filed for a forbearance due to XXXX in XX/XX/2020 they approved it and documentation was provided. Then in XXXX my credit took a XXXX point hit because they logged it as delinquent so i called and got a second hardship forbearance approved not in XX/XX/2020 my credit just took anoughter XXXX point hit because they reported it delinquent. As well as it was reported delinquent after the coronavirus bill ordered them to place all student loans in deferment. Now i have taken a insanely hard hit to my credit from this company and they can not replace my score that has now dropped XXXX points in 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Companies reporting inquiries on credit file that I have no knowledge of requests that companies provide me with information proving i applied for anything with these companies I'm a victim of Identity theft and I have fraud alert on all 3 credit reporting agencies and no one should be able to pull my credit without authorization from me and I have not at anytime give these com permission to run my credit

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