hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.

Complaint:
On XX/XX/XXXX I entered a XXXX XXXX transfer from my PNC checking account to my mother 's checking account at XXXX XXXXXXXX XXXX for {$25.00}. When I entered the transaction through my online banking portal with PNC, the system confirm on the screen stated funds would be received in my mother 's account by XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I called PNC Bank because my mother indicated the funds still had not come through. The PNC rep I spoke with indicated there was no indication of any XXXX XXXX transfer on the system, indicating I had either not entered it or somehow had made a mistake. This was very frustrating, as the online system had indicated my transfer had gone through and that the funds would arrive by Thursday, XX/XX/XXXX ( 2 business days ). The rep stayed on the phone with me while I entered a new transfer. She verified it went through and she could see it on her end. Both the online banking system and the rep stated the funds would be in her account by Thursday XXXX ( 2 business days ). The rep also verified XXXX XXXX XXXX participated in the XXXX XXXX  program so there should be no issue with my mother receiving the funds. 

On Tuesday XX/XX/XXXX, I entered another XXXX XXXX transfer for {$45.00} from my PNC checking account to my mother 's XXXX XXXX XXXXXXXX checking account. Once again, the system indicated the funds would be received by Thursday XXXX ( 2 business days ). 

On Thursday XX/XX/XXXX, my mother indicated the funds still did not show in her account, nor were there any pending deposits. On my end, the PNC online banking system showed my account had been debited for both the {$25.00} transaction and the {$45.00} transaction, with a posting date of Wednesday XX/XX/XXXX. I called PNC Bank and the rep stated I should give it more time ; she stated the funds may not show up until XX/XX/XXXX or XX/XX/XXXX. She could offer no explanation as to why this happened and offered no solutions on how to rectify the problem. 

My mother called XXXX  XXXX XXXX directly and they indicated they, in fact, do NOT accept XXXX XXXX. I called PNC Bank back, and the rep, who was extremely condescending, stated the only way to get the funds back at this point would be to dispute the transaction, and that it would take 10 business days at a minimum to dispute the charges. She gave no assurance the situation would/could even be resolved, leaving me with no resolution. When I asked to speak to a supervisor, I was put on an endless hold. After at least 30 minutes of waiting, I had to hang up. 

So as of right now, my PNC checking account has been debited a total of {$70.00} and I was given no assurance it would be credited back ; I was only told I could dispute the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.

Complaint:
The debt was from XXXX, XXXX which said that I owe {$870.00} to XXXX service at an address I never lived. I sent a letter to XXXX XXXX, XXXX. enclosing all the information that they asked for which included an XXXX bill, a copy of my social security card, my driver license and a police report. So for two years everything was fine. Then XX/XX/XXXX I started to get Collection notices from CCS USA CREDIT COLLECTION SERVICES. I called them and they were very rude and said that I owe this money and that the service was for address that I currently live at which is not true. The services was at a different address. I spoke to a man named XXXX who said he would call me back the next day of which he did not. I waited another month and called again and was told the same thing. To this date there has been no action done and it is still sitting on my credit report. It is the only negative entry on my credit report. I am XXXX years and I have never had a negative entry on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. 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. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 2016-01-11
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.

Complaint:
Kay Jewlers will call from blocked numbers, random numbers and blocked numbers at all hours M-S, even at night or very early sometimes 15 times a day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc

Complaint:
Paypal stole {$1100.00} from my bank account. This was Financial Aid money that was to be used for my school expenses. I have asked the company numerous times to refund the money that they embezzled from me they have refused. I have also contacted the XXXX XXXX XXXX. Paypal has gone to a collections agency and had no right to do so. The company refuses to dispute the money or to issue a refund for the money they stole. They told the XXXX XXXX XXXX that it was my fault and that I did the transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-15
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}

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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint:
Can you update my address and name on my credit profile.

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 2021-09-27
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:
Upon looking at my consumer reports I have some inquiries not authorized! Transunion has failed to remove them. I have attached a FTC report and these inquires need to be removed at once!!! How are you a XXXX dollar company and you dont have a fax number so that I can send the FTC report to. Such a lousy company! Remove these inquires immediately.

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 2023-07-07
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
THE ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

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 2023-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint:
After numerous banking errors on ATM machines, fees, confidentiality and customer service issues. I decided to close both my checking and savings 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 2020-10-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Elite Debt Brokers

Complaint:
on XX/XX/XXXX, I received a call from an unkown debt collector threatening to " sue '' me if I did not pay them. This company never identified themselves, nor sent documentation to the addresses listed on the payday loan. They also do not leave messages stating who they are. I called back fearing suit and gave them some information. After giving them credit card information that I should not have given, I attempted to call to correct the issue, but the number given is not the one I can contact, and I received a call from a lady who said they would " locate '' me and tell others about my debt. I filed a complaint here on XX/XX/XXXX with ACE, the originator of the loan, and was able through that complaint to identify the company they sold the debt too. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. This company has never sent any documentation proving the validity of the debt in question so that I may dispute it, nor identified themselves as debt collectors as required by law. The message I have attached shows how they contact debts they acquire. I have looked on their site and it states that the " debt '' was sold to another creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : DIVERSIFIED CONSULTANTS INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person tha
t furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DIVERSIFIED CONSULTANTS INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
I co-signed for this car for my dad and he got sick I tried to sell it but it had to much work that needed to be done to it so I called them and told them to come pick the car up. My dad passed away and it was costing more to keep the car I tried for months to sell it. they sold the car and it had a {$1200.00} balance but on my credit report it has {$4900.00}. balance on my credit report and its wrong and it needs to come off this account has been sold to 2 collection agencies. Every call get from them the price goes up every time they sell this account. i was told the car was sold in a auction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE

Complaint:
Wrote letter to Frontier Barclay MasterCard regarding charge for Frontier Airlines for {$590.00} for their Go Wild pass which was charged on XXXX XXXX. Also disputed with frontier. Their response was can not cancel, however in their ( Frontier ) terms and conditions it clearly states pass can be canceled. Service product does not Begin till XX/XX/XXXX Frontier claims you can go on their website, login under your account and go to section- XXXX XXXX XXXX and cancel at any time but when you go online that option is not available. And as of XX/XX/XXXX they are still selling that pass

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL

Complaint:
On XX/XX/2023, I contacted XXXX XXXX, Synchrony Bank, XXXX, to raise concerns that the online record of my Care Credit account was inaccurate. On that same day when I accessed my account online, I noted 2 duplicate transactions listed as *both* pending and completed in my account records. See attachment. 

She acknowledged that there are lags in removing a pending transaction after it is completed. She added that " nothing can be done '' as records are systematically updated by a computer. I noted that online financial records ( or any record for that matter ) need to be accurate as inaccuracy causes confusion. Further as an account holder, I had never encountered this problem until this year, 2023. So a recent change is causing this problem and it needs to be corrected.

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 2021-09-02
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:
Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with XXXX XXXX XXXX Payoff in the amount {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC

Complaint:
Incorrect information was found on my consumer report. I then sent a 1692g request to American Credit Acceptance. The company received the request on XX/XX/2018, at XXXX XXXX. The company failed to reply to the 1692g request and continues to report inaccurate information to the consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation