hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-02-18
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:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 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 2018-05-26
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:
( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.

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 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY

Complaint:
The other day I received a job offer from my college to be a personal assistant. The scammer sent me a check that ended up being fake. After I pay the man bills the bank took the money out of my account, the money that was mine in the account and now I am left negative. The bank didnt want to help me recover the funds and now Im stuck with money to pay off and my bills to pay off

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 2022-01-18
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:
Experian is reporting a child support account on my credit report which does not belong to me. Please see my attached FTC ID theft report.

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 2019-02-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.

Complaint:
I signed up for a Chase Checking Account on XX/XX/XXXX. Chase.com advertised a {$200.00} bonus when direct deposit is made to the account within 60 days and with a coupon applied. I signed up online by clicking the green Open Now button shown in attachment Capture1, which states below it " Coupon code automatically applied ''. I opened the account through this link believing the code was applied. 

Apparently, this was not the case and the code was not active, in spite of the advertisement on Chase.com. My first direct deposit was made to the account on XX/XX/XXXX, as shown in attachment Capture2. I waited until statements covering 60 days were posted, but did not receive the {$200.00} bonus. 

On XX/XX/XXXX, I visited a local Chase Bank branch and spoke with a manager who referred me to call the corporate customer service ( XXXX ) to investigate why I had not received the bonus. 

On XX/XX/XXXX, I contacted Chase 's customer service team and was told by the first representative that I should have received an email with the code. I explained there was no code provided because I had followed the link where the code should have been automatically applied as advertised. The representative told me that because I had not applied the coupon code ( which was never provided ) to the account within 30 days that the {$200.00} bonus was forfeited. I asked her to transfer me to a manager for further discussion and she disconnected the call. 

Frustrated, I immediately called back and spoke with a different representative. She explained that the code indeed should have been automatically applied and must have failed at some point in the process. She placed a note on my account detailing that this {$200.00} sign on bonus is active until XX/XX/XXXX, but told me that my only option was to contact a manager of a local branch to ask them to add the code retroactively to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX/XXXX XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not owe. I had a XXXX XXXX which is why we went past due. I was advised to do a loan modification program which I did and I was told to go past due. I was told the lates would come off after we finished the Modification program. These lates are not my fault and they need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

Complaint:
In accordance with the Fair Credit Reporting act Genesis Credit Management, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A collection account status also can not be OPEN. I, as a consumer have rights to 100 % accuracy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.

Complaint:
I found out about an alleged debt of {$230.00} placed on my credit reports ( XXXX, XXXX, XXXX ) on XX/XX/XXXX from Diversified Consultants stating I was delinquent on a balance from XXXX XXXX from XX/XX/XXXX. I have had no previous actual or attempted contact with Diversified Consultants before this showed up on my credit reports. 

I contacted XXXX XXXX directly and they assured me that they had record of appropriate payment information on record and that this is their error and should not have been placed in collections and that it would be recalled. 

I contacted Diversified consultants and they advised that they would not remove the collection, only update it as " paid '', regardless of the circumstances and the errors being on their side. I even offered to pay to remove this false and damaging collection from my credit report and pursue contact XXXX XXXX directly for a refund in leiu of moving forward with a federal lawsuit against them as that would be the cheaper option, Diversified Consultants declined. 

In my opinion, this is a shameless money grab, targeted a ruining peoples lives and reputations. I believe my rights in FDCPA and FRCA have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
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:
I am a victim of identity theft

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 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.

Complaint:
I did not consent to disclosure of my nonpublic personal information to any non affiliated third party. The consumer reporting agencies have failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused a restraint of trade and commerce. I have reasonable cause to believe I am being extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer report reputation. I revoke any alleged contract or agreement, whether implied or explicit, that I may have been induced into due to undue influence. 

TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
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:
I have been making on time payments with XXXX XXXX and it showing on all three bureaus XXXX, equifax and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
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:
Experian continues to report late payment history for XXXX acct XXXX thru and including XX/XX/XXXX regardless that the account was forgiven in full with a zero balance with a XXXX inXX/XX/XXXX. 

Experian also continues to report late payment history for the XXXX XXXX/XXXX acct XXXX for the months of XX/XX/XXXX& XX/XX/XXXX regardless that the account was settled in XX/XX/XXXX. 

Both of these constitute false reporting by Experian since the account was fully resolved, the balance is XXXX and there is XXXX past due amount. Both XXXX and XXXX have correctly stopped reporting delinquent payment history following the dates the two accounts were resolved ( see attached credit report ).

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 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
Sent  certified letters with signature required to credit reporting agency Equifax, received and signed for on   XX/XX/XXXX     @   XXXX  . This was for request of validation of said debt. Company response was " This item has been updated to report satisfied/released. '' Company did not mark disputed on reports according to Federal Law FCRA  623  ( A ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint:
XXXX XXXX XXXX and Mellon Bank fraudulently on several levels attempted to collect a fictious debt. They were informed the debt if it existed was statutorily barred from collection, I was XXXX and unable to if the debt existed. They wrote off this debt ( TAX FRAUD INVESTOR FRAUD ) even though they were informed in writing XXXX times a 1099C would fraud and harassment, they sent me a 1099C for {$410000.00} on a non-existing debt. Additionally due to lies and actions by the ( Mellon Bank XXXX XXXX ) and XXXX XXXX XXXXXXXX my home was lost as well as prior mortgage payments. 

The 1099C places a XXXX XXXX XXXX XXXX without assets at the mercy of the IRS for taxes, penalties, fees, interest on {$410000.00}! 

The attached documents prove these egregious actions most of which is supported in the XXXX XXXX transcript attached. SHOULD THIS GO INFRONT OF A FACT FINDER the witnesses will ALL BE LAWYERS! other than myself. XXXX XXXX, Mellon and XXXX XXXX XXXXXXXX have confirmed their actions in writing. 

I will share what I have with law enforcement and vetted Lawyers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.

Complaint:
I received a notice from Wakefield & Associates in regards to an account with XXXX XXXX XXXX. First, I have never heard of XXXX XXXX, nor do I know what this is in regards to. This letter ( also included with this complaint as Document 1 ) does not state what product or services were given ; only information is a date and amount. At this point I can not properly dispute what this is in regards to or ask the right questions to determine how this should be disputed. I would also like to point out that there is an interest owed section in this letter. Why would I want to pay interest on an account that I was never notified existed, and has taken over 25 months for someone to contact me about it. 
There are a few basic questions I can ask at this time ; but depending on the answers, further escalation with the CFPB may be required.

1. What products or services were given on the service dates mentioned?

2. If these were medical services, was financial aid available if requested?

3. What method of contact was used to notify about this account? Written letters ( statement and mailing dates needed )? Phone calls ( date/time needed, what number was called, was voice message left )? Was email sent ( what email address was it sent to, what domain did it originate from )?

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 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.

Complaint:
Credit Management LP at XXXX XXXX XXXX XXXX XXXX TX XXXX has been mailing me collection letters via mail about a {$610.00} it is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
Hello, I have noticed that my len der, Navient, is not applyi ng extra payments I am making to my loan in a way that maximizing my repayment. I followed instructions on the cfpb website with regards to how I wanted my payments to be handled and emailed my instructions to the lender. They shared that they could not set up in advance how to handle extra payments, but rather that each time I paid an extra amount, I would need to wait for the payment to post and then email instruction s ( corresp ondence attached ). I als o called Navient  on  XXXX  to receive additional details that they told me another method would be to send them a check and then send instructions every time I mailed a check. I pay a bit extra every month so this is not a realistic or consumer-friendly policy.     Next, they have an error on their site, they say that you can not add more than the minimum about to you auto payment. It says " Your recurring Auto Pay amount ca n't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in  the navigation menu  and specifying an additional amount for any loan enrolled in Auto Pay. '' However, when I called the lender on  XXXX , they told me that I could pay more than the amount with the autopayment ( ACH ), but that they had to set it up over the phone and that it would " change the terms of my loan. '' When I pushed her on what she meant by change the terms, she said she just meant changing the payment schedule. I asked that she please send me all the details in writing and shared that they are sharing erroneous information on their web portal with their borrowers regarding payment methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I purchased a single team subscription from XXXX to watch the XXXX XXXX XXXX in the amount of {$110.00}. 

At the outset of the pandemic, the XXXX CANCELED the XXXX XXXX XXXX season making it IMPOSSIBLE to watch them on XXXX or anywhere else. 

Since it was IMPOSSIBLE to reach the XXXX I disputed the charge with Capital One MasterCard. I was told that under the terms of their MasterCard Purchase Protection Policy they would credit {$110.00} to my account and mail paperwork to me that was to be completed and returned no later than XX/XX/20. 

I received the paperwork from Capital One on XX/XX/20. I completed it, made a copy and mailed it the very same day. Then, on XX/XX/20 I discovered that Capital One violated its own MasterCard Purchase Protection Policy and WRONGFULLY charged {$110.00} back to my credit card. 

I immediately called Capital One to be told that they never processed the completed paperwork that I mailed to them on XX/XX/20. Capital Ones phone rep stated that if I E-mailed copies of all of the documentation that I PREVIOUSLY sent to them that she would PROPERLY CREDIT the missing {$110.00} back to my account. 

She NEVER did what she said that she would do. Its not been two weeks since I was promised a PROPER {$110.00} CREDIT back to my supposedly protected account. I called the Capital One Dispute Line back today. Ive been on the phone for nearly a half hour with a phone rep who said she could fix the problem. When she failed to fix it, she FINALLY transferred me to a supervisor, AS I ORIGINALLY ASKED HER TO. 

Ive been on hold close to ANOTHER HALF HOUR AND NO SUPERVISOR HAS PICKED UP THE LINE AS OF YET!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I received a letter in the mail saying my address had been changed. I have never contacted CapitalOne to change my address. The new address listed is not correct. I have had the same address since I became an XXXX XXXX customer *18* years ago.

Company response to consumer: Closed with explanation