hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY

Complaint:
Wells Fargo-They contact me. I filled out the application and I was approved for a credit card with a {$3500.00} limit in XXXX XXXX. 

As of today my balance is approx. 1800.00. Last month I made a payment on XX/XX/2018 of XXXX, when my minimum due was only {$27.00}. 
Today I tried to make a card purchase with this card. After trying three times, I was unsuccessful. I called Wells Fargo and they told me based on my credit reporting status they reduced my limit. I asked them how can you just reduced my limit when I only had the card 3 months. Secondly I paid you more than your requested. I told them they didn't give me a chance to show them over time that I would pay them back and lasting how can you just decrease my card with no notification. 
Furthermore, I just paid off a vehicle financed through Wells Fargo Dealership. I fulfilled my contract for 72 months and was never 30 days late! 
I could of needed my card in a emergency situation. I could of been out of town or out of the country and depended on this credit card to get back home! They just reduced my limit with absolutely no warning and in my opinion no reason ... my fico score status is the same as it was when they gave me the line of credit. Now since they reduced my credit card limit, this is lowing my credit score, because now it is up to the limit!

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 2021-12-01
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: ALLY FINANCIAL INC.

Complaint:
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results. I was locked up in federal prison from XXXX to XXXX and I would like to have those fraudulent items removed from my credit report being that it is documented that I XXXX XXXX was XXXX.I would like for auto loans and retail card information to be removed from credit report also being that it is fraudulent.

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 2019-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC

Complaint:
I asked that this company validate this account. They sent a bill which does not show any written agreement that I owe this company any monies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX BANK NA : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC

Complaint:
I have made several attempts to remove this account that is reporting inaccurate information against me to the credit bureaus & third part agencies, this company refuse to validate or investigate this matter properly to clear my innocence. after inputting several requests pleading for a fair investigation multiple times with this collection agency & all three bureaus ( XXXX, & XX/XX/23 ) & all three bureaus no had a not even a drop of empathy. this matter has caused a dramatic negative impact to my life & everyday living. I never gave authorization or signed any contract to have my personal information passed around nor over to WAKEFIELD & ASSOCIATES , LLC who continues to tarnish my name. this unfair discriminating behavior has caused me to be viewed as unreliable & untrustworthy individual, i am being judged before even getting an opportunity ; how injustice is this. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed with XXXX  multiple times due to XXXX violating METRO 2 COMPLIANCE I have also paid the account balance but XXXX  still refuses to delete the closed 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 2021-03-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I was charged for an XXXX purchase on XX/XX/2020 for a camera that I did not purchase. The amount was for {$400.00}. I went through all the fraud claim steps and have been denied both times. The credit card company XXXX Bank of America XXXX is claiming that the item was delivered to me and it never was. A person named XXXX XXXX is the client advocate from Bank of America who has been assigned to my case and gave me the alleged USPS tracking number. I called the XXXX MA XXXX XXXX and spoke with a woman there named XXXX who is the head cashier. She looked into the USPS computer system and that tracking number does not exist. This is the whole basis for their denial of my claim. XXXX XXXX wanted me to make a claim with the XXXX police department which I have done and faxed it to him. I can not make a claim with the USPS because the tracking number doesnt exist. Its been over twXXXX weeks since I have done these things that they wanted me to do to help settle this claim. I have not heard back from these people whatsoever. They do not answer their phones, they do not call back, and this is the worst customer service and bank Ive ever dealt with. I have the proof that I did not make this fraud purchase yet, Bank of America is doing nothing. My internet system was hacked into and I have proof of that as well. Im about to take this matter to an attorney.

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 2023-05-29
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-02-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I submitted a credit dispute on XXXX, XXXX 2022 to transunion under the reference number XXXX, since my rights as a consumer are being violated for the collection company 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 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
Dear Sirs XX/XX/XXXX Re : XXXX ( Equifax is worse ) My FICO rating was over 650 in XX/XX/XXXX and early XX/XX/XXXX with aggregate debt of about {$4100.00} My ex wife fraudulently put {$3500.00} on my XXXX card reflected in XX/XX/XXXX which raised the total debt to $ 7600+-from {$4000.00} Thus my score went down to Approx 605 The {$3500.00} was removed in XX/XX/XXXX and score went back to only XXXX although the aggregate was about same as previous ; about {$4000.00} ( i had kept the debt level up to reflect my position as my ex wife was harassing me for money and that I still had debt! ) Since, in XX/XX/XXXX and XX/XX/XXXX, I have paid XXXX down to {$1000.00} and XXXX to {$700.00} for an aggregate total of {$1700.00}, less than one half of the position in late XX/XX/XXXXyet the rating is only XXXX!! My allowable credit with other parties, all clear ( XXXX, XXXX etc ) is {$29000.00} so I am well under 10 % Also paid off 1 of 2 accts in dispute, the other a hospital amount of {$380.00} still in dispute with XXXX XXXX XXXX I am XXXX years old and trying to buy an inexpensive " over 55 '' condo ( {$30000.00} ) in XXXX  county in FL for cash, however the fico destroys my chance with the understated score!! .as they all require a credit report around 650.Most recently in XX/XX/XXXX I was turned down on a purchase as they refuse to read the facts. 
My phone calls to XXXX have met with no assistance or consideration notwithstanding my much reduced credit usage! 
Please give me some assistance in this matter so I can have a home which I can afford Yours truly XXXX XXXX E-Mail XXXX Present residence - XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( with a friend ) Tel ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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 account # XXXX, the amount of {$4000.00}. from XX/XX/2018 until XXXX XXXX has violated my rights. I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report.

15U.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't furnish an 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 2019-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.

Complaint:
My complaint is about Navient. 

I am a resident physician who took out money for medical school. I am now a second-year resident so this is my second year paying on the loan. I have to be on an income-based repayment plan because my income ( ~ $ XXXX ) can not possibly make the payment on my > {$200000.00} student loan. As a result of being on the income-based repayment plan, Navient forces me to re-demonstrate my income every year to re-qualify. In order to accomplish this re-demonstration ( which is a useless exercise anyway because my income barely increases annually and that number is set years ahead of time for all residency programs and it is published online ), they sent a single non-descript email on XX/XX/2018. The email does not include any indication that it might contain such a re-authorization requirement. I have attached the email with my information redacted. In order to receive the contents of the email we are required to follow the link, login, and click on a pdf link that may or may not be the most recent message ; that is easy to overlook when you get 50 emails, this one contains nothing but a link, and there is no way to tell which message on the Navient website this email is connected to. BTW, I have four post-graduate college degrees and this is not straightforward. 

Of note, Navient does not include additional reminders. They do not include an email saying anything relevant at all. In fact, all Navient emails are essentially hidden until you conduct the separate login. Then, after that single email, they emailed me in XX/XX/XXXX to say that my payment would be increasing to {$2600.00} a month. Obviously, I can not afford that while I make {$50000.00} a year. They do give me the chance to fix the problem by going back on the income-based plan. I submitted all of the information to get back to the same income-based repayment program I was previously that is currently pending. 

However, despite staying on the same payment plan and having no lapses in my payments, Navient capitalized my interest. Apparently, that is their policy. If people do not re-authorize their loan in a pre-specified window of time, Navient capitalizes their interest. In my case, that capitalization was approximately {$6000.00}. So now I am getting compounded interest around 6 % on another {$6000.00}. In other words, I get to pay an extra {$30.00} a month for the duration of my loan. All because I missed a single non-descript email. 

I am wondering what the value of such a policy for the government that I borrowed money from? That is, why would Navient be allowed to steal a huge amount of money due to missing an arbitrary re-authorization date despite staying on the exact same repayment plan. It seems like a scam. We are basically borrowing money from our own government and Navient is being allowed to skim money off the top.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-02-17
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:
The Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XX/XX/XXXXXX/XX/XXXXBalance : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
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 and the bank 's records ( learned through more research both parties require ). Please block/remove these from my 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 ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$80.00}

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 2020-04-27
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:
Wells Fargo is showing that 2 of my accounts with them as being closed. they are showing that these accounts are in Chapter XXXX and /or that they have been discharged. 

These accounts are not in Chapter XXXX and nor has any one of them has been discharged.. 

First they were showing these accounts as being delinquent, but they were never delinquent. The status of these accounts should show that they are open. 

This is my second attempt to get this corrected, but Wells Fargo is playing some sort of game with this issue.

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 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
I received my consumer report and all my personal information is wrong Correct Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.

Complaint:
I opened a CitiBank Accelerate Savings account roughly around XX/XX/20 and deposited {$6000.00} USD to the account, I was living in MA at the time I opened this account. I later learned there was a {$20.00} a month fee associated with the account. I called, asked for the fee to be waived XXXX which it was XXXX, I then removed all my deposits and called customer support and asked to close the XXXX XXXX Account. The customer support representative informed me they terminated my XXXX XXXX account and I then deleted username and password. A few weeks later I was notified via text message that my Citi XXXX XXXX account had incurred a {$20.00} a month service fee and the account was now - {$20.00} balance. I called CitiBank and they apologized and confirmed they waived the fee and closed the account. The same issue then continuously occurred escalating to now a - {$120.00} balance. I've called multiple times and they have apologized and confirmed the account is closed though they can not provide any written proof and the issue just continues on. Citibank is unable to verify me on phone and all physical locations are closed due to XXXX, they ignored my mail I wrote with a copy of my passport. CitiBank says I need to know the XXXX digit string of numbers which is my account number even if I provide XXXX, Passport and other security questions. Debt XXXX are now calling threatening to pay bill or debt will be sold to XXXX party. I have money, want to fix the issue though am locked out of my account. The problem is with CitiBank, not me. Account is still active and incurring fees even without any balance and I have no ability to terminate account. 

I have XXXX video of myself on phone with Citibank customer support XXXX ( I informed him I was recording ) outlining all these issues which I can not upload as file is too large.

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 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.

Complaint:
Sent in XX/XX/2023 email and letters. Notice and demand were sent by email no response after the 72 hour window. Dispute letter sent and no response within the 72 hour window to all three major credit reporting agencys. Experian, XXXX, XXXX. Were produce detail and accounts with missing and or incorrect information. Fraud dealing with inquiries which I never consented to and personal information and credit reporting information either out of date and incorrect which goes against the metro 2 guidelines and is stunting my financial growth and credit worthiness.

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 2015-07-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Concord Resolution Inc (Closed)

Complaint:
Several collection agencies such as XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), Concord Resolution ( XXXX ), keep contacting my cellphone, work phone and even my employer 's number claiming i have an unpaid online payday loan. I asked for proof but never got any in the mail or email. They know all my personal information and tried to charge {$480.00} from my bank account as settlement. Fortunately, I was able to put a stop payment on it.

Company response to consumer: Untimely response