hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-09-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Bank of America Allegiant MasterCard closed my acct without warning. After I made a large purchase at the grocery store my card was declined. I am not even close to my maximum credit allowed. I called them and they said they send me a letter about my situation and they had not. Today I have received the letter stating that my acct is closed due to my risk profile no longer aligns with the banks risk tolerance. 
It says they can close the account at any time and my reward points will be forfeited. 
I feel this is deceptive and unreasonable because I am not near the maximum credit allowed.

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 2023-02-09
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
To whom this may concern, to the creditors at Pull my credit to inquire inquries on my report. I would like for 7 or more inquiries to be removed from my report based on a decrease in credit score.These creditors have been contacted and notified of matter that is being reported to this bureau. Only a soft pull was instructed, not a hard pull. 

Thank you for resolving this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.

Complaint:
On XX/XX/2020, I received a call from a man who identified himself as a process server from XXXX XXXX XXXX in California ( phone number XXXX ) who informed me that a civil lawsuit has been filed against me in XXXX XXXX, Florida by Citicard Home Depot ( Case # XXXX ) and I will be served today. He recited my social number but did not identify himself. I contacted my credit card company Citibank Home Depot and was informed that my account has a XXXX balance and there is no evidence of any payments due or debt owed to this creditor on my current credit report. I contacted the police and made a police report ( City of XXXX XXXX Police Department # XXXX ) Shortly thereafter my husband received a voicemail message from the caller who indicated that my husband and I were being sued and that implied that they would contact our mortgage. It is important to note that my husband and I have never had a joint credit card with Citi card or Home Depot and, based on my review of XXXX Country Clerk of Court records, there is no evidence that a civil complaint is currently filed me against me and/or my husband by Citicard or any other creditor. I believe that may be an old debt which, if true, would have existed years before I met my husband. I was informed by the police that the police contacted the company and was informed that this is related to a debt collection effort. In a subsequent call, the debt collector called me a " loser '' and a " dead beat '' and made other disparaging comments about me to my spouse.

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 2022-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC

Complaint:
I sent a debt verification letter via certified mail on or about XX/XX/XXXX. Elevate Recoveries received and acknowledged said letter on XX/XX/XXXX. It has been 30 days and I have not received and communication in regard to the debt being verified. I would like to request a debt deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL

Complaint:
This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give syncb/gap written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. 

Company : SYNCB/GAP DATE OF INQUIRY : XX/XX/ 2021 2021

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 2019-07-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Back in 2017. I had Bank of America Checking account. I even had Direct deposit from my company that I still work for. The company name is XXXX to my Bank of America checking account. Furthermore, it was only direct deposit to my account for paying my mortgage and family expenses. I also had Saving Account that I had saved up {$26000.00} and I do not know where they go to or who withdrawal them.. 
I need to find about where it go. 
However, the account back in mid of 2017 that I did not authorize to anyone to do such thing that ruin my credit and reputation. Anyway, the account is closed and I lost my account, so help me find it please. 

Thank you, 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 2023-01-08
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:
I have three accounts on my credit report with XXXX XXXX  XXXX that I did not authorize, these accounts are fraudulent and they need to be removed from my credit report with all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I have been going back and forth with Equifax for over 2 months now. I have mailed them my Police Report, my FTC Identity Theft Report and my identifying documents as they requested. I have called and submitted disputes on. XX/XX/20, XX/XX/20 and today XX/XX/20. I was finally able to get some results on XX/XX/20 they deleted 3 of the fraudulent inquiries from my credit report but there are still 8 fraudulent inquiries currently being reported. This is a violation of the Fair Credit Reporting Act Sections 605B, 615 ( F ), 623 ( A ) ( 6 ). I want these inquiries removed immediately this has been completely frustrating dealing with this credit bureau and this has stopped me from getting approved for a mortgage and stopping me and my family from purchasing our home which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
In XXXX XXXX XXXX I received a " statement '' from someone either posing as Bank of America or Bank of America themselves saying I opened an account called " Your Adv SafeBalance Banking '' account. It said there was an opening bal of XXXX and an ending bal of XXXX. Then XXXX came and I received another notice from them with an opening bal of XXXX and an ending balance of XXXX. So, i still believed that this was a scam trying to get me to contact them a bit like the internet " click-bait '' scams going around. I did not call and I still have no intention of contacting them as I never opened this account to begin with. I received another " statement '' from them saying that now I owed them {$4.00}, and then another and yet another until now they say I owe them {$9.00}. Let me be very clear, I have never opened this 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 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XXXX XXXX i requested a credit increase with capital one and was denied due to my usage being low. Applied again XXXX XXXX and received the same message after using the card. XX/XX/2021 i made a payment with a new Checking account and used the wrong account number which caused the payment to return, that same day i updated the account number and made the payment. Now that my limit has increased, the reason i am unable to receive and credit limit increase is due to simple mistake! Ive been with caption one for 8 year and i have never missed a Payment or had a return payment before. I called capital one XX/XX/2021 to have my file reviewed and reconsidered, however NO ONE was able to assist me and the first person i spoke with was extremely rude, i request to file a complaint. Filing a complaint with capital one means nothing!! No one is supposed to follow up with the customer to make sure my concerns were heard and there is no confirmation number to confirm the complaint has been submitted.Overall, the system reviews the information and thats that!!!! I am purchasing a home and i need a larger limit to purchase items, i have 2CC and a auto loan that i will gladly close and take my XXXX years of business elsewhere if this is not resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.

Complaint:
My contact dates were in XXXX, XXXX, XXXX, and XXXX. I requested validation from a creditor for a medical procedure. SCA collections refuses to give me the creditors information including phone number .A mistake has taken place because in 2018 my insurance covered all of my medical bills. Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. When the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days allows the collector to include the debt validation notice in the initial communication if that communication is a letter. When the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days.

Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid How long can a creditor collect on a debt in NC? 
three years If you are living in North Carolina, consumer debt has a statute of limitations of three years.

North Carolina Statute of Limitations on Debt Collections.

North Carolina Statute of Limitations on Debt Debt Type Deadline in Years All Consumer Debt 3 Judgments 10

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
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: Experian Information Solutions Inc.

Complaint:
I was looking at my credit report and notice there was a collection that does not belong to me. I sent the company and the credit bureaus certified mail telling them that this account does not belong to me. Its been about 4 weeks now, and I have not heard from them, or gotten any letters from 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 non-monetary relief
Consumer complaint received 2021-03-06
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: AMERICAN EXPRESS COMPANY

Complaint:
A booked a flight through American Express for my family of XXXX. Unfortunately I had to cancel the trip. I used the chat bot feature to do so. The chat bot informed me that I would get a credit of {$420.00}. Apparently now American Express states its {$420.00} divided among the four tickets. The chat bot function did not relay that or make it clear in any way. I am in need of that full credit amount for an emergency use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC

Complaint:
I am a federally protected consumer. I am directing this complaint against Transworld Systems Inc, for committing identity theft. Upon reviewing my credit report i noticed a fraudulently furnished account ( ACCT # : XXXX ) made by Transworld Systems Inc. I have never given Transworld Systems Inc, any permission to use any of my identifying information to commit mail fraud by contacting me in reference to an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ).

I have not validated any alleged debt with Transworld Systems Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems Inc any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Transworld Systems Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC

Complaint:
recording asked for XXXX almost daily

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX 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 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

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 2020-06-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC

Complaint:
Since the beginning of 2020 Shellpoint Mortgage Servicing has been charging me with hazard and flood insurance for the property that already is protected under a blanket policy. I have sent them, and they also told me that they have received the proper paperwork stating that the property is fully insured, yet they continue to charge me extra fees. Because I am automatic billing through my bank, ( I have been paying every month on time ), each month they have been tacking on LATE FEES and now my account is in delinquency. ALSO ... i have recently checked my credit score, and it has negatively affected it. Recently dropped from XXXX to XXXX directly related to this incident. I have spent at least a total of 20 hours either on hold with different departments and/or different supervisors. Even there own employees admitted that the wait time is excessive to get a customer service representative was unacceptable. 
All of this has been going on since the beginning of the year, but most recently i have calling them at least 2 times per week for the past 4 weeks with no resolution. My CREDIT SCORE has been adversely affected, and this MUST STOP NOW!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.

Complaint:
I found this account under my credit reporting that I did not authorize, nor provide consent for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc.

Complaint:
Innovative R reported {$290.00} as owed to XXXX XXXX XXXX for disputed charges which were never resolved ). I only have a statement from XXXX XXXX XXXX showing XXXX which was disputed and I was never contacted by Innovative R

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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 to the Fair Credit Reporting Act the list below g Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct Account number XXXX XXXX  XXXX Acct Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Go Capital Holdings, LLC

Complaint:
I was told by a GoFinanical rep at the company that by law only 5 late payments can be removed and that they would be removed & that hasn't taken place. I have disputed with all 3 credit agencies that the inaccurate would be updated and that still hasn't happened. The company is now XXXX and the reps/supervisors are saying they don't have any record of what I was told.

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