hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY

Complaint:
I had a credit account open for several years with Wells Fargo, currently with no balance. Periodically I would check my online account with them just to insure there were no unauthorized charges and everything looked ok. I tried logging into my account and had to " try again later. '' I tried the next week and got the same message. I thought that maybe the site was down for maintenance when I was trying. After the third attempt on a different occasion, I phoned Wells Fargo and was told that my account had been closed because I hadn't used it in 18 months. I had no notice whatsoever, either regular mail or email. 
I told customer service that I wanted my account reopened. I was told they would not do that. I asked for her supervisor, then the next supervisor. I got a letter dated XX/XX/XXXX ( copy attached ) that stated that they would not reopen my account. 
In the meantime, I checked my credit report, and they had falsely reported my account " Closed by Consumer. '' Of course that lowered my available credit and showed that I was using a higher percentage of same, and it lowered my credit score. I filed a dispute with XXXX  stating that I DID NOT CLOSE my account. The result of the dispute came back showing no difference. I am adding a statement to my credit report that Wells Fargo LIED about my account 's closure. 
I received a letter dated XX/XX/XXXX ( copy attached ) and it stated " The account will show as closed by customer, as the reason for closure is the customer not using the account for eighteen months. '' I received NO notice of closure, or perhaps I would have used the card for a pending project. I looked over my last statement and could find NO MENTION of a closure possibility. I received NO Mail or NO EMAIL informing me of this situation. I received a letter dated XX/XX/XXXX ( copy attached ) informing me of revised terms. It only listed Revised Penalty terms and privacy notices. NO MENTION OF PENDING ACCOUNT CLOSURE, Please see the Wells Fargo article published in the XXXX XXXX  on XXXX. It states that " Account holders were given a 60-day notice of the closures '', and I absolutely received NO NOTICE. 
It is appalling that Wells Fargo can get away with reporting the LIE of " Closed by Customer. '' This should be against some ruling for reporting false information. I would liked to see them fined into oblivion.

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 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC

Complaint:
Took out an auto loan 6 years ago with XXXX XXXX XXXX but loan was later bought by Westlake Portfolio Management. Loan was initially reported as being late during the transfer process due to typographical errors from the parent company which made my payment to be reported late. I made a complaint to Consumer Financial Protection Bureau and they tried their best but report still remains on my Credit. Now again, when the final payment was due as I always make my payments on or before the XXXX of every month, this same company did not hesitate to go ahead and report a final late payment again. I made the final payment of the principal loan of {$420.00} on the XXXX XX/XX/2023 which should have been {$410.00} and I made payment of subsequent late fee of {$86.00} on the XXXX of XXXX which should have brought the total payment to a XXXX balance. I called Westlake and I spoke to a lady by the name XXXX and she was very unprofessional, rude and aggressive with me. There was no communication as to when, how or what I needed to do as to the maturity of the loan and how I would proceed to obtain my Title or any information or paperwork. I have never been late with my payments even though I sometimes get close to the due dates. Right now, the balance is still showing on my credit report as {$500.00} still owed when it has been paid off. This is the only company that has a negative report on my credit history. It seems to me that they are out to get me for reporting them the first time. Please help, thanking you in anticipation.

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 2023-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
XX/XX/2022 Capital One claims i made a deposit not in my name which triggered a fraud investigation into my account. The deposit was from XXXX and the USERNAME was not real name but the information used to verify that account was all of my real information. My account was closed on the XXXX of XX/XX/2022. However the account did not actually get closed out until XX/XX/XXXX. It is now XX/XX/XXXX, I have received a check for the interest payment of {$1.00} from my deposit of {$2000.00}. However there is no information or contact from the insitution on when I will receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: EQUIFAX, INC.

Complaint:
in accordance with the fair credit reporting act XXXX account # XXXX with XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 a. states i have a 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 explanation
Consumer complaint received 2021-01-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
Experian will not furnish me a consumer disclosure file, due to deception and manipulation of furnishing incorrect information on my credit file from XXXX XXXX XXXX ( Dealership ) XXXX XXXX XXXX XXXX, XXXX, NC XXXX & XXXX XXXX that is re-aged. Under FCRA Section 605 ( c ) this a serious violation. 
In contradiction, referencing the attachment : Page 2 : I never made a payment in XX/XX/2017 ; page # 2 & 3 will provide proof, I never made a payment in XX/XX/2017 ; page # 2 & 3 will provide proof. Moreover, refencing page # 2, in XX/XX/XXXX 180 days re-aged the account in which I never made a payment only on XX/XX/2017 due to fraud from the dealership. In contradiction, this account should have been reported to charge-off status NOT " re-aged '' at 180 days. ( See attachment page # 2 ) Experian will not furnish me a consumer disclosure file, due to the North Carolina statue of limitations expired debt collection laws. Refencing top of page 2, the " payment history legend '' information furnished on my report is not in sequence 30, 60, 90, 120, 150, 180, R, D, C, CO, CLS, ND ....

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 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC

Complaint:
Enhanced Recovery Company , LLC located at XXXX XXXX XXXX, XXXX FL XXXX ( ERC ) represented XXXX XXXX XXXX on a collection matter in which I owed a small sum of money from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I canceled my services with XXXX XXXX XXXX in a prior time frame and had no knowledge there was a balance due after canceling. Originally I thought ERC and one other collection company were contacting for the same account. By the time I realized the account was split up and one was in collection with ERC, I contacted ERC to dispute or settle the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) portion of the outstanding bill. I promptly paid the amount requested and was told the information will be removed from my credit report once the payment has cleared. Additionally, I paid the other collection company that separately represented the Cable TV ( XXXX XXXX XXXX XXXX ) portion of my old XXXX XXXX XXXX bill and they promptly, even without me asking, removed the collection account from my credit report. However, ERC has not removed the XXXX XXXX XXXX XXXX collection account from my credit report. I have called them on at least 4 occasions regarding this matter since XX/XX/2020. On the first 3 calls, representatives from ERC told me that XXXX XXXX XXXX was responsible for removal. However, when reaching out to XXXX XXXX XXXX XXXX  Office of the President, I was told they have no control over removal. Not only did XXXX XXXX XXXX mistreat me and create confusion over splitting up the originally bundled bills between services, which made me think the collections were for the same account, ERC is still creating confusion and circular conversations on who's responsible for removal. ERC was not transparent about their policies pertaining to removing the account from my credit report prior to and after me paying them. The amount due was minuscule and does not require any additional reporting to credit bureaus. Such a small sum of money does not warrant this type of aggressive collection behavior. There is absolutely no reason for it to be there. ERC appearance on the credit report gives a false suggestion that the debt is still outstanding. I am having difficulties obtaining a mortgage because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc.

Complaint:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXXXX/XX/XXXX, US SM BUS ADMIN ODA XX/XX/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

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 2022-04-26
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report on the previous files. I am a victim of identity theft and did not authorize these charges. I am asking that these charges on my report be removed to correct my credit report. I have already reported the theft to the Federal Trade Commission 's Identity Theft Affidavit. I would greatly appreciate that these charges are deleted from my report as soon as possible because it is hindering me. I would like to advance my lifestyle and I would need these things situated as soon as possible to do so.

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 2020-06-05
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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint:
In XXXX of XXXX I had major fraud committed on my checking and savings account with Wells Fargo. Due to the amount of money taken ( over XXXX ) it was referred to the XXXX XXXX fraud department. Here is the issue, Wells Fargo will not give you the number to this dept., they send them a message and they attempt to call you back in 3-5 days. If you miss it, then you have to start the whole process again. I never once was able to speak with someone from the XXXX XXXX fraud department. All I got was a letter saying they found I authorized the transactionsover XXXX overnight to an Apple Store in NY. I had banked with them since XXXX. I feel that they deliberately made it impossible to contact the department I needed to resolve this issue. I had no history of any type of expenditure that large, ever, yet in a few days I had a letter saying they investigated and the charges were authorized. The accounts were all closed and I have no access to the old accounts now to provide account numbers as Wells Fargo removed them

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 2022-10-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 






XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 Experian XXXX XXXXL XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2019-04-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
I submitted an investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to respond with the results of my credit investigations within 30 days but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: AMERICAN EXPRESS COMPANY

Complaint:
I applied for the XXXX Amex XXXX card under the following promotion : XXXX bonus miles and XXXX MQMs after {$3000.00} had been spent on the card. When I reached that threshold, I received XXXX bonus miles and XXXX MQMs. I contacted both XXXX and Amex about this, XXXX told me it was an Amex issue. Amex told me that the " promotions change all the time '' and this was the promotion linked to my account. Basically, it became their word against mine. Had I not been actively checking my account, I never would have known that they withheld the full promotion from me. Pure scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio

Complaint:
XXXX XXXX XXXX XXXX continue to report a derogatory collection account to my consumer credit file. At this point I am requesting ALL contractual documents stating and proving that I am and was responsible for this account as well as agreed to third party collection activity. I have learned that this is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current

Complaint:
XX/XX/XXXX I dispute a charge of {$100.00} from a company by the name of XXXX XXXX. I did not authorize this charge and wasn't aware of who did. On XX/XX/XXXX CURRENT bank denies the dispute and gives no reason why. On XX/XX/XXXX I ask Current for the merchants info and they can't produce. I make them aware that i disagree with their decision because i can't even reach this XXXX business and Current informs me i can't appeal their decision without 1 ) a receipt from the transaction 2 ) a screenshot or some type of document showing i contacted this company Since it's impossible to reach the company and nobody knows how or where to contact them I believe my appeal should be granted! Current disagrees and keeps the {$100.00} This is clearly an instance where the bank is using their corporate power to take advantage of the consumer. It's a simple problem I did not make the purchase therefore i wouldn't have a receipt! This company is in XXXX somewhere and does not come up in a search of the World Wide Web. After further research XXXX  is a type of cryptocurrency and Current bank does not allow purchases at crypto sites! 

Resolution= Please be decent and return the {$100.00} and if the bank can't reach the merchant then release the funds instead of holding!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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:
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 non-monetary relief
Consumer complaint received 2022-12-28
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:
To whom this may concern, My name is XXXX XXXX XXXX , and I am writing this personal statement on my behalf. I discovered that I am a victim of identity theft, and my personal information was used to apply for goods or services fraudulently. I am requesting that the listed accounts all be removed from my credit reports immediately. The accounts to be removed are : Accounts : 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
USAA charged me {$240.00} on XX/XX/2021 for accessing my own money, contrary to what i was told by USAA Representative that it was my money and i could access it anyway without any USAA fees or charges. 
And on XX/XX/2021 USAA charged me XXXX cents for interest. 
Where is the balance that i owe? that i am being charged interest on?? 
For years and years, I always pay off my FULL balance, long before the due date. 
There is obviously glitches on USAA 's systems! 
Where there is no money borrow or loan or advanced or even outstanding, why am I being charged interest??? 
Why the XXXX, am i being charged fees and now interest on my very own money???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
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: Experian Information Solutions Inc.

Complaint:
I have a credit card on file with XXXX XXXX  that is eappearing my credit report through Experian. The account was closed I believe in XXXX or XXXX. It should no longer be on file yet it says that it will be until XXXX. That account was paid in full and should not be on my account.

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 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC

Complaint:
XXXX XXXX XX/XX/XXXX in the amount of XXXX date discovered XX/XX/XXXX XXXX XX/XX/XXXX in the amount of XXXX and the date discovered XX/XX/XXXXXXXX XXXX XXXX XXXX the amount of XXXX and was discovered on XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX and was discovered on XX/XX/XXXX I've tried disputing and they will not remove and they keep calling and i told them its fraud.

Company response to consumer: Closed with non-monetary relief