hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-08-06
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:
On XX/XX/XXXX I was charged {$94.00} from a gas station on my XXXX XXXX Mastercard ( Barclay 's Bank ). On XX/XX/XXXX I was charged {$95.00} from the same gas station. These were both on my XXXX statement. I reported it as a fraud, the company cancelled that card and issued another one. My car would never hold that much gas and certainly not two days in a row for that much money. They took the {$94.00} off my bill on the XXXX statement but instead of taking the {$95.00} charge ( from XX/XX/XXXX ), they charged me again {$95.00} ( so that's two charges I don't owe anyone now ). I have called at least 5 times since then to report this and they keep giving excuses. I have a letter from them saying I don't owe anything and the fraud will be taken off but they never do it. They put me on hold for an hour each time I call in hopes ( no doubt ) that I will give up. Something must be done about this company.

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 2020-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP Buyer, LLC

Complaint:
I received a letter saying I owe {$150.00} to XXXX. 
I pay my internet bill to XXXX on time every month for the past 2 years plus. 

I do not owe any balance to any bill concerning XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL

Complaint:
After opening a saving account, I learned from reviews online that bank if a fraud. It does not answer requests accurately ; invent obstacles and causes delays in answering the phones. And even when they answer the phone, they never address the problem. 

They put restrictions on my account, and I could not withdraw my fund and close the account. They kept saying they'll send a link and request a code, but nothing is what they say. They are blocking me from using my account since XX/XX/2022. 

They keep the person waiting over the phone, until he gives-up and hang-up. A very insolvent bank. Most reviewers for the bank rate them at XXXX and warn users not to use the bank. I believe the business should be closed and prevented from scamming people of their money.

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 2018-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.

Complaint:
On XX/XX/XXXX I sent a complaint to XXXX XXXX in reference to a collection account being reported on my credit file. The original complaint was because they started reporting this account on my credit file without giving me a DV. XXXX responded to the complaint via CFPB stating that this was the 1st they heard from, and never acknowledged that a DV was ever sent to me, because IT WASN'T. I then sent a response to XXXX XXXX on XX/XX/XXXX via certified mail, requesting proof that the said account was mine. 2 months later and I still have not received a response from XXXX XXXX. I included proof from the USPS that the certified letter was delivered and its been over 30days and they have not responded or verified proof of ownership. 
Yet again, XXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am now demanding a description of the procedure used to determine the accuracy and completeness of the information being reported. Additionally, I'm asking to be provided with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

1655783.1.2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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:
I disputed information that was on my credit report. The negative information that i disputed was deleted from my report and then placed back on my report without notifying me. The information is fraudulent and should not be on my report. It is against the law to place something back on my report without notifying me. These accounts are negatively affecting my credit worthiness and is causing me to be denied for things. The account was removed XX/XX/XXXX and placed back on my report XX/XX/XXXX. Another account is XXXX  XXXX  which is fraudulent and does not belong on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC

Complaint:
I was alerted by the 3 credit agency that Sunrise recently placed a debt on my credit report. This debt was already settled with XXXX XXXX and also per MI law you have to have a license to collect. Sunrise does not have that.

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 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HUNTINGTON NATIONAL BANK, THE

Complaint:
Please reference previous complaint # XXXX After my last complaint about my Huntington Bank credit card was closed, I paid the balance in full -- {$1500.00} on XX/XX/XXXX. On XX/XX/XXXX, I was charged {$10.00} in interest on my XXXX-balance card. I called and spoke with " XXXX '', a supervisor who refused to provide her last name, who told me the interest was for cash advances from XX/XX/XXXX. I don't understand how I still accrued interest after the statement balance was paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
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: Experian Information Solutions 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. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 the information is inaccurate.

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 2023-06-16
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. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
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 XXXX  Account # XXXX and Account # 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 Account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have contacted Capital One several times about getting a reduced interest rate on my accounts. I advised them that due to the Pandemic my income has been reduced and I would like to get a reduced interest rate. I can make the minimum payment but noting more then that at this time and my rates are over twenty percent on my cards. The only think they offered me was a skip payment on the account but refused to back off the interest charges. I advised them if I skip payments like this that would put my account into negative amortization. I advised them of this and they acted like they do not care and all I wanted was just a reduced rate during this time. I am just shocked with everything going on in the world that they do not have better help programs. I have been a loyal customer with them for years and they could care less.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP

Complaint:
I opened and funded an online business checking account at U.S. Bank On XX/XX/XXXX. It was funded with {$5100.00}. Without notifying me they closed my account At some point there after. The only way that I found out is because I couldnt access my account online and called them on XX/XX/XXXX to find out the matter. They informed me that they decided they didnt want my business and turned me over to the fraud department. They said that I had 10 days to appeal their decision and if not at some point after that, they would send my Funds to the address on file. I told them I did not want to appeal their decision, and that I would like my funds sent to me immediately. They said that would not happen, and that they had no timeline for when I would receive my funds. I talked to what I was told was a manager and he told me there was absolutely no way to determine when I would get my money back. This is the point at which I am listed your help. I really dont know what else to do as they basically said that I will get my money when they are ready to send it to me. 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 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2020, I contacted TransUnion regarding 12 unauthorized inquires on my credit report. I had been car shopping and authorized a dealer to do a " soft pull '' on my three credit reports. Instead, not only did they do a " hard pull '' themselves, they sent my personal information ( without my verbal or written consent ) to a number of third party financing companies. The car dealer said I would have to contact the credit bureaus : they could not remove the inquires. While I had not problem contacting XXXX  and XXXX and having the unauthorized inquiries removed, TransUnion 's response was that they did not conduct inquiry disputes and that I would have to contact each third party creditor directly to have them remove the inquires. One by one I contacted the creditors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. and each time I was told by the representatives of the respective creditor I contacted that they could not remove the inquiry and that I needed to dispute it with the credit bureau ( TransUnion ) to resolve the issue/have the inquiry removed. Again, I contacted TransUnion on XX/XX/2020 and explained to the new representative to whom I was speaking that the creditors are telling me that I have to file a dispute with them. Again I was told they do not dispute inquires, but then was told to write them a letter in regards to what I was disputing. I asked if I could fax the letter to them, for expedience sake, and was told they no longer allow disputes by fax. My concern is, that after sending and them receiving the inquiry disputes, is that they will not act on them as they are legally required to given the fact that they are now telling consumers ( I have read other reviews on complaint boards ) that they do not dispute inquires. Considering each inquiry can lower your creditor score by 2 points or more, and a high number of inquires can cause a denial for credit on its own ( even with a good credit score ), TransUnion 's position is causing serious potential financial hardship to people who are trying to improve or maintain their financial status.

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 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO

Complaint:
Starting in XX/XX/XXXX I made 8 payments through my electronic account with the Banco Popular acct no XXXX to the XXXX XXXX in XXXX against a credit card account no XXXX. This account was paid in full and closed in XX/XX/XXXX. I proceeded to contact both banks because only 2payments were returned to Banco Popular in XXXX XXXX another in XXXX XXXX. There is and outstanding amount of {$1100.00} that were never retuned or there is no evidence from my bank that show that this money was retuned, I have contacted the office of XXXX and they have been reluctant to assist me to resolve this situation, All electronic transaction should have a system of traceability and recode keeping of transactions of payments. I need a thorough investigation as to were did this money that I paid go to and be reimbursed. My original complaint was filed in XX/XX/XXXX ; XXXX no 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 monetary relief
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX Original Creditor Company Sold Account Type Cell Phone Date Opened Open/Closed XX/XX/XXXX Closed Status Status Updated Collection account. {$2400.00} past due as of XXXX XXXX. 
XX/XX/XXXX Balance Balance Updated Paid Off {$2400.00} XXXX XXXX, XXXX Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 It is legally for XXXX XXXX to charge off a credit file the loss on their and paid by taxes XXXX XXXX can not continue to collect on an account that was paid by loss It is illegal to seek payment for debt twice It is also identity theft to continue to access my report using my personal information to report Derogatory information late payments charges or delinquent claims My rights to privacy have been violated.

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 2020-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Health Care Financial Services, Inc.

Complaint:
I CONTACTED THIS COMPANY ARS IN AN ATTEMPT TO CLEAR UP THIS MATTER BUT WAS UNSUCCESSFUL. THE REP WAS RUDE AND DISRESPECTFUL

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 2018-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Williams & Fudge, Inc

Complaint:
All student loan payments were completed early XXXX. I moved to a new address mid XXXX. However, I am still receiving communication from debt collection agencies requesting that I send them more money. All credit card and student loan debt reported on my credit score should have been offset by my XXXX federal tax refund. But they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: EQUIFAX, INC.

Complaint:
data sets related to inputting of accounts were not XXXX XXXX Compliant payment status data listed is mismatched, compared to other credit For the following hard inquiries : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TWICE XXXX

Company response to consumer: Closed with explanation