hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST

Complaint:
I originally set up an account with the Bank of the West. I am not confused I am perplexed by the coincidence of my account being open on the account managers computer before I even decide to speak to any account manager while I am in the bank. Suffice to say, I was not pleased with the customer service. I was not pleased with the product services. This was a bad experience all around within the first month of opening the account. I made payments to my account that were not applied to transactions. Bills not being paid with bill pay. I noticed all my payments were going to fees. It seemed only fees were being paid.. Bank fees as well as merchant fees. So, I ended my affiliation with Bank of the West. And attempted to closed the account -> after talking with a customer representative of Bank of the West on the phone ( 1 800 number ) and making one more payment. I say attempted to close my account because apparently the account was not closed. Allowing fees to accumulate for over three more months until closed by Bank of the West. Still Receiving partial refunds ( paper check and credit ) in the process.

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 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
The credit bureaus ( TransUnion, XXXX and XXXX  XXXX have been provided Satisfaction Letters with regard to a creditor 's tradeline XXXX XXXX XXXX XXXX XXXX XXXX  yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor ( XXXX XXXX  ) has referred to me the assignee ( XXXX XXXX XXXX ) and XXXX XXXX  has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. Thank you

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 2017-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.

Complaint:
This debt was paid off almost two years ago, I paid the debt almost {$600.00} dollars to this debtor. I called obtained my final bill amount the male representative gave me a amount I explained to him the send a bill every two weeks and to please advise me what I am being billed for he stated honestly he did n't have any idea he only shows my payments on accounts told me to pay {$250.00} last bill it was paid and they sent a independent contractor to my home to pick up my equipment and that was it I switched my services. I have seen on my credit report where this same debt has been removed five times and now they placed it back on my credit I am upset about this and I feel this should not keep appearing on my credit report as I have paid this off and have my bank statements to prove it. XXXX is a very unfair company who gives you the run around and keeps charging people for ridiculous amounts twice within the same month not monthly and ca n't explain what exactly you are being charged for this has been on going for almost three years now with this being now XX/XX/2017 and they removed the same debt and have placed it back 5 times they should be ashamed of themselves I would never recommend XXXX to anyone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
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:
Months ago I disputed the following accounts in Hope 's that the credit agencies would of did the right thing by deleting them. However this will be my 2nd attempt to obtain the Method Of Verification for the following accounts if not please block the accounts from my credit report as stated within the laws of the FCRA. The 2 accounts are ( 1 ) XXXX XXXX XXXX, ( 2 ) 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 2023-06-23
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:
XX/XX/2023 this fraudulent inquiry XXXX XXXX XXXX was placed on my credit report affecting my score. Due to 15 USC 1681c-2 this need be removed 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 non-monetary relief
Consumer complaint received 2022-10-03
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. 

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Fraudulent collection Accounts : XXXX XXXX  Bankruptcy Account NumberXXXX Account Opened:XXXX Balance : $ {$0.00} XXXXXXXX XXXX XXXX  Account Number:XXXX Account Opened:XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number:XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Account Opened XX/XX/XXXX Balance : {$420.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$420.00} Unauthorized Inquiries : Inquiry Name : XXXX XXXX XXXX Inquiry DateXXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry DateXXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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: EQUIFAX, INC.

Complaint:
In accordance to the fair credit reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 items of information, other than records of convictions, 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 reporting agency if the person knows or has reasonable cause to believe that the information is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
This account was opened fraudulently. Under the FCRA and fdcpa, i have the right to request detailed information from the creditor proving the account is mine such as :! ) I am entitled to see the source of the information, which is the original contract that contains my signature. 
2 ) An explanation of what the money owed is for.

3 ) An explanation of how the amount owed was calculated.

4 ) Copies of any agreements signed obligating you to pay for the debt.

5 ) Provide copies or other verification of any judgment ( if applicable ).

6 ) Prove that federal and state statute of limitations applicable to the debt have not expired.

If such information is not provided within 30 days, the account has to legally be removed. Only if such information was presented can experian reject my dispute as frivolous. In addition, extra documentation was provided on my end and they still rejected it as frivolous. Although I have no knowledge of said account, I paid it in full and documentation was provided to experian and they still rejected the dispute. Please remove immediately or I will be forced to take legal action.

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 2018-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.

Complaint:
PNC is the company I am having a dispute with. I sent in a form to change my payment date. They did not process the payment date change in time. I went online and paid my bill last month, for some reason the payment was reversed even though funds were available in the account selected and the only reason I set up online bill pay was because I would be charged if I continued to pay over the phone. I was contacted by the company saying i was 37 days past dude 10 days of my payment was reversed and I was not aware of the reversal. I made a payment on the phone today with the rep and asked to have the late charges removed and the info removed from my credit report to avoid it lowering my credit score since I attempted to pay, they said they can not help me even though she apologized on behalf of PNC for the inconvenience regarding the payment date change, payment reversal, and incorrect processing of the payment due date change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.

Complaint:
My credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO report shows that I 've made 100 % of my payments on time in the last 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX. 
Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Bankruptcy Reference XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States that I have the rights 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 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint:
In XX/XX/2022 I opened a commercial account with Chase bank, after having opened a personal account that there was a problem which also froze my account and they made me open another personal account closing my first account but I no longer qualified for the bonus coupon Welcome, it was disappointing. But the problem did not end there when I opened my business account for my business that started legally in the state of XXXX, did not receive my business debit card and chase financial company has been called to resolve but XXXX requests have been made that they do not I have received a debit card from my commercial account and I was affected by not being able to make my purchases with the commercial account related to my company. They say that it is a mail problem but other entities if I receive mail, then they said that they will request expedited shipping and they they would charge a fee for the shipping and to give another address, so i agreed and gave my old address and they charged me {$5.00} replacement card and to my surprise it was the same card from my personal account replaced not my business debit card, like this I still haven't received my debit card from my business account. I already tried to solve it with them but I don't know what they are playing at.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have reviewed my credit report and I do not recognize nor did I authorize the following Inquiries listed below! 
XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX TX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion HMF - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Used XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2022-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smart Money Alliance

Complaint:
Hello. Our company XXXX XXXX XXXX XXXX partnered with a loan company called smart money alliance to fund loans. We we're told if someone goes thru the entire process of the loan, we will have to pay a origination fee of {$1200.00}. They informed us that either we pay it or charge the customer for the fee. One of our clients we submitted however the client never went thru the process and refused the loan. Smart Money Alliance is trying to charge us for the loan that never was completed thus their trying to charge us {$4700.00} in fees for a loan that our client never went thru. They keep sending invoices and we're at a point that we're tired of the harassment. WE DON NOT OWE THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc

Complaint:
On XXXX I XXXX  chime to see why in my chime app it had said card delivered but when I checked my mail i never received it so that is when I dialed XXXX the number on XXXX with the chime logo XXXX etc, ,THEman answered & said hello this is XXXX how can I help u, I then informed him that my card said it arrived but I never received it so he then stated I would need to do a secure verification where I send the funds to the secure account & then the fund would go automatically to my temporary card that they send u virtuall.I was under the impression I was talking with a chime representative, I have direct deposit thru chime for my paycheck this is my 4 year with them this is absurd.I disputed it 4 times to get the same run around & the last time I asked to speak with a manager or supervisor he got on the line & stated no customers never receive the money back like I thought that was very unprofessional I would never to business with chime after this nor will I recommend then to any one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: U.S. BANCORP

Complaint:
Ive never ever heard of elan financial or the bank

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 2019-05-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.

Complaint:
I went to the Chase ATM located XXXX XXXX XXXX, XXXX, Illinois on XXXX XXXX. XX/XX/2019, to deposit some cash to my checking account. I made four deposits in total and the first three successfully went through my account. However, the last one didn't. After inserting XXXX* {$100.00} bills in ATM, the ATM crashed and said : " we are having some trouble '' and gave me a receipt. So they basically ate {$2900.00} dollars ...

I called the customer service and they told me I'll receive some credit and send me an email about this. However, I haven't received any credit or any email about it. They wouldn't even tell me how long will this matter be disputed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.

Complaint:
Notified lvnv funding that debt was not mine and they are still trying to collect i would like the debt removed from all three credit burros and stop all attempts to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC

Complaint:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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, 1 ) XXXX XXXX, ACCOUNT # XXXX, 2 ) XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX, 3 ) XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, 4 ) XXXX # XXXX ... .HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 ( A ), STATES, I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 ( A ), 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 2019-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA

Complaint:
As an XXXX for the past six consecutive years in multiple XXXX that qualify for XXXX  federal loan forgiveness my application ( s ) have continuously been denied for minor issues such as incorrect date format and full title of Chief   Administrator not stating his position. Because of this I took it upon myself to call MyFedLoan directly and ask why my application is continuously being denied when time after time the people I speak to regarding what I need to fix, give me the supposed run down on what needs to be done. My call on XX/XX/17, however, was different. When I was in conversation, two people who I spoke to from my loan holder ( MyFedLoan ) said one reason I am being denied is because the gap from one XXXX to the next is larger than seven days which voids the XXXX  loan forgiveness I am looking to receive after working five consecutive years in qualifying XXXX. ( Ive worked in three different XXXX in five years ). I am reaching out because not only did one of the people I spoke to said they had no idea about this seven day gap issue, it is no where to be found on neither the application nor website. Because of the withholding of information, myself along with a long list of people may be denied because of lack of transparency, which I believe is very deceitful and should be taken serious and looked into. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief