hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I am trying to link my XXXX bank account to my Capital One360 account for transferring money between the two. Capital one360 won't allow me to link with XXXX  bank. When I called to speak with someone about my issue, the response I got was " unfortunately there is nothing I can do, at this time we do not allow you to link accounts with a prepaid debit card '' I told them that XXXX bank is a part of/or owned by XXXX bank and it is not a prepaid debit card. I was told that their system is recognizing XXXX as a prepaid debit so there is nothing they can do. All I want is to be able to link MY accounts and be able to move money between MY accounts. Also, they do not accept payments from XXXX or XXXX banking for the same reason. Now I understand that XXXX  ifs indeed a prepaid debit card but everything I read says XXXX  is a bank account that just doesn't have a physical location. Similar to capitalone360.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-09-05
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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:
Transunion Credit Reporting Bureau I am in disagreement with the items listed below which still appear on my credit report, even after notification. I would like these inquiries reinvestigated. The inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with the Fair credit reporting act, Public law 91-506, Title VI, Section 611, Subsequent A-D, please provide the names and business addresses of each individual with whom you verified the inquiries below, so that I may follow up. 

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 Please forward an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Best Regards, 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 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION

Complaint:
On XX/XX/18I called to have my cards replaced. I provided my new address, but the rep failed to take note of my apartment number. Which caused my cards to be returned and my account to be frozen per their policy. I was supposed to be paid today. But since they froze my account over their error, my direct deposit bounced. I called before this on the XX/XX/XXXXasking where my cards were and so they resent another card via XXXX XXXX. I thought I was fine until this happens yesterday. I don’t understand why they must freeze an account instead of blocking any cards that are still active. Now since I was out of work for almost two months I’m behind 30 days on my rent. I was contracted to pay today if not I would be evicted. Now I’m facing eviction bc of their stupid error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
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: SYNCHRONY FINANCIAL

Complaint:
SYNCHRONY FINANCIAL / GE Capital Retail Bank / Care Credit I had opened an account through my XXXX office with Care Credit in XXXX, I also co-signed for my wife 's account with for the same purpose at the same time. During the course of payments in XXXX GE posted pymts to my wife 's account, as opposed to mine, in the months of XXXX, XXXX & XXXX of XXXX. 

In XXXX of XXXX I spoke to them and they had in fact seen the error. I paid the account ( XXXX ) off in full XX/XX/XXXX to avoid any further issue. I was told by their rep, at that time, that I would receive a credit of XXXX for the late fees placed on the account due to their error ( which they applied on XX/XX/XXXX, and that the late payments showing on my credit report would be corrected. Actually, they said that the account would be bulls-eyed and that I should no longer see the account on my credit report after XX/XX/XXXX. I don't know what Bulls-eyed meant, but I was assured it would be corrected. The account had not been reported to the three major credit bureaus after that time as the last reporting was in XXXX. 

Unfortunately, after paying for credit monitering with XXXX, I noticed the account was still showing incorrectly on my credit reports and asked for an investigation. Now after 2 investigations, and a whole lot of the blame game and which entity is responsible ( I was told - call the creditor - no - call the credit bureau ). And after showing proof of my claim, I still can not get the information to get corrected and Synchrony Finanancial, whose rep 's have been extremly rude, and XXXX, whose rep 's seem to read off a pre-talking point memo, are refusing to correct the information. 

This is severely affecting, my otherwise, perfect credit, through no fault of my own.

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 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX XXXX Account # XXXX U S DEPT OF EDXXXX  Account # XXXX XXXXXXXX XXXX XXXX INQUIRIES 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  has violated my rights.

XXXX XXXX  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 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 2021-01-09
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
XXXX XXXX, Account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently, I contacted the company and company refused to remove this from my account and it is still trying to hold me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently.I contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, Amount XXXX,. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still trying to hold me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX,. This account was opened fraudulently. I contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently. I contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY

Complaint:
I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.

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 2019-01-25
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: AMERICAN EXPRESS COMPANY

Complaint:
I tried to redeem my American Express Membership Rewards points today,XX/XX/2019, but the system didnt allow me to do so. I called the customer service to inquire about this issue and after 30 minutes of being put on hold and transferred to different departments, I was finally told that my account is currently under review and that I cant redeem my points until this process ( Which doesn't have a timeline ) is completed. 

When I questioned the representative about what triggered this review, she said : it is because of the XXXX Membership Rewards points Referral bonus you received on XX/XX/2019. 

It is very deceitful that American Express encourages us to refer our friends and family, they advertise this on their website and send us promotional emails to invite people to apply to American Express Cards in return of a Referral Bonus and when we do, they freeze our membership rewards accounts. From what I read online about other customers experiences, this seems to be a very common complaint about American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services

Complaint:
I purchased and financed a vehicle in XX/XX/XXXX at that time I also purchased some Service Contracts as well as a Gap Insurance policy. 

XX/XX/XXXX my car was in an accident and deemed a total loss. My Insurance Company immediately paid the cars value, which left a gap amount of approximately {$4400.00}. 

My Gap Insurance responded with a number of excuses, they did everything except pay the claim. This lead me to file an insurance complaint with Florida Department of Financial Services. 

My GAP policy stated that the policy was between the dealer ( Mercedes Benz XXXX XXXX, FL ) and I, which lead me to list " Mercedes Benz '' as the provider on my complaint. 

Mercedes responded that they do not sell insurance but yet instill they did pay some some of the balance due. Mind you I have been emailing Mercedes since XX/XX/XXXX to have this GAP balance paid and after all that on Friday XXXX I received a call from a collection agency. 

The agent stated that she was calling on behalf of Mercedes, I  couldn't believe that they had my account sent to collections without the courtesy of a phone call or a letter to update me on the final status. 

This lady went on to tell me about my account my account being in collect of course Mercedes made it appear as if they have been trying to collect since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL

Complaint:
I am XXXX XXXX a federally protected consumer. Synchrony Bank/Gap is in violation of 15 usc 1692 FDCPA, 15 usc 1602, Truth in lending, 15 usc 6802, privacy and obligation, 15 usc 1681 FCRA. With these violations they have harassed and used unfair practices to coerce me to pay them when the debt isn't mine and was already paid. Please see attached violations.

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 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Health Care Financial Services, Inc.

Complaint:
This bill was paid by the insurance company past 12 months ago, now I am being charged again for the same debt. 
The hospital states that payment was recieved.

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:
in accordance with the Fair Credit Reporting act XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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: EQUIFAX, INC.

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This made a negative impact on me, especially when using credit transactions and so, I want this to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
Despite many written requests, the unverified items listed below continue to appear on my credit report in contravention of federal law. Both Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) stipulate that these materials must be authenticated. If you do not validate these goods, I will file a lawsuit against them. Please abide with the law so that we can resolve this swiftly. I need the following items to be corrected from my file right away 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 response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA

Complaint:
Due to delays processing my refinancing, I overpaid by about ~ {$300.00}. I have contacted XXXX about this issue and have not gotten a response. I would like them to refund me the overpayment.

Company response to consumer: Closed with explanation