hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/13 there was an online purchase made by someone else using my debit card. I received a fraud alert email from chase asking if I authorized a purchase for XXXX. I denied the purchase and called chase customer service right away to freeze my account. My debit card number was canceled and I received a new card. My claim has been denied twice and the only response that I received from a customer representative over the phone was that I had previously bought from that retailer and they accused me of making the purchase. Yes I had several times purchased from that online retailer which I believe was the reason why my debit card information was stolen. From all the purchases I made I had never received a fraud alert email until that day. That is the reason why I contacted my bank right away. I have records of the email and I have sent it over to them. This is the first claim or problem I have ever had with chase and I do not like how the situation was handled. Why would a bank sent me a fraud alert email were I deny the purchase but the transaction still goes through? I need for them to refund my stolen money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
All three bureaus have failed to respond to the letter I sent via dispute online that requested them to respond within 15 days due to their failure to address the issue with my XXXX XXXX XXXX account. Please remove as I gave them a specific timeline to provide me with the sources they used to validate the loan, people they talked to, etc. Per FCRA I had every right to request that within 15 days it has now past 15 days ( XX/XX/XXXX ) So please remove it per the FCRA immediately. Remove the item immediately as they were given sufficient time to provide me with the information but could not produce it and or refused to produce it when it's my right per FCRA to see that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2018-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focus Holding Company

Complaint:
I have an XXXX XXXX Score acount and any type of chages to my credit or score XXXX  notifies me through email and text. On XX/XX/XXXX XXXX   flagged my account as collections by an agency name XXXX XXXX XXXX. They reported that I owed a balance of {$800.00}. I never received any letter, phone call from this agency about this debt verifying that this account actually belongs me. On my my credit report from XXXX it says this acoount was opened on XX/XX/XXXX and on my XXXX report it says this account was opened on XX/XX/XXXX, two different opened dates which is odd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.

Complaint:
In all started when I went to XXXX 's to get groceries. While I was at the customer service desk, the clerk approach me to open a MasterCard account via XXXX 's. She said because I am already a member, they will not run a credit report. I believed her and 10 minutes later, it showed on my credit report as a Hard Inquiry. 
The credit card company name is XXXX. I started using the card to make purchases. I used it to make a large purchase and won't go through. After many attempts they locked my account. After talking to the fraud department and try to explain to then that it way me, they requested to get a copy of my social security number, driver 's license and a copy of a utility bill with my addressed. After faxing all the information and have not heard from them in weeks, I decided to call then. They still did not unlock my account because I did not provide enough evidence that it was me. Despite the fact that I sent everything they asked for, they still reject it my request. 
What is really upsetting is that I really did not want the card. But after having a hard inquiry in the credit report, I want them to give me my card back, I am willing to give them what they asked for to proof to them that the person the are speaking to on the other side is the same person who applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/2022. I noticed {$11000.00} in fraudulent ACH transactions on my capital one checking account. I contacted my bank, and started my claim. 10 business days later they granted me a temporary credit for the {$11000.00} that was missing. I was told that the credit could be deducted from my account if the claim was not found in my favor. 

On Friday XX/XX/2022, I received an email from my bank that stated : The provisional credit is yours to keep and your dispute 's now closed. 

On Tuesday the XXXX of XXXX I received a new email stating : Our research didn't find any errors, so we closed your dispute. We'll remove the provisional credit of {$11000.00} from your checking account on XX/XX/2022. 

On XX/XX/XXXX I called capital one and asked what was going on. They asked if I could forward them the email stating the credit was permanent and I did so. I was told I would get a response within XXXX business days. 

I do not get any reply. So I call them again on the XXXX of XXXX. They inform me on a recorded line that in fact they looked into it and I will not be charged the {$11000.00} and that my claim is closed and the credit is permanent and that should be the end of it. 

On the XXXX of XXXX. {$11000.00} was deducted from my capital one checking account. 

I call them again. And they tell me that there is nothing they can do. That a mistake was made and they gave no way of fixing it. 

I feel as though they unlawfully deducted this money based on the fact that the credit was no longer temporary after they stated it was mine to keep in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
My XXXX XXXX reports shows that there is a balance on a closed BOA account of {$1500.00}. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX The balance is {$1500.00} as of XX/XX/XXXX It was opened with a NY Driver 's license. I have a PA license

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 2021-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY

Complaint:
I was a victim of a scam a company name XXXX took XXXX out of my accounts I filled a claim with my bank and the bank denied the claim Wells Fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: JPMORGAN CHASE & CO.

Complaint:
JPMCBANK/ XXXX XXXX XXXX XXXX XXXX XXXX ARE ACCOUNTS ON MY REPORT WITH FRAUDELANT INFO/ PLEASE REMOVE AND REMITT ALL FUNDS DUE TO ME. PER 12 USC 1813

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
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:
Transunion, has allowed fraudulent accounts to be authorized on my Consumer Credit Report in which I did not authorize. These accounts were opened from a thief as a result of Identity theft. These accounts also list many inaccuracies. 1. XXXX XXXX XXXX XXXX Credit Card says Opened XX/XX/XXXX. It also states credit limit {$25000.00} according to XXXX XXXX XXXX XXXX   this has already been closed due to fraud. They also advised me the limit they show is {$15000.00} therefore transunion is also reporting fraudulent inaccuracies. 2nd Item says XXXX XXXX XXXX Credit Card with a balance of {$1900.00} and a Credit Limit of {$2000.00} this account was not authorized and is a result of Identity theft. 3rd Item is XXXX XXXX loan for {$8000.00} again this was not authorized and is fraudulent. As a result of identity theft. Two more XXXX accounts, one showing a {$4000.00} limit Credit line and one showing a {$1000.00} credit line. These again are fraudulent as a result of Identity theft. There is also TWO XXXX XXXX inquiries for the same thing on the same date that are fraudulent XX/XX/XXXX. Lastly there is a XXXX inquiry which is also fraudulent and transunion lists a fraudulent address on my credit file.

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 2016-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.

Complaint:
After my Nelnet loans came out of forbearance following my graduation I was billed my initial payment of about {$700.00} on around {$70000.00} of student loans. I was unable to pay such a large monthly amount and submitted paperwork for income based repayment ; however I was still responsible for that first payment. I did not have the money to pay it so I opted to put my loan in forbearance until Nelnet processed the paperwork. The employee read the disclosure and it sounded like it said my interest would be added to my principle balance-I asked for clarification and was told that no-nothing on my account would change I just would n't have to make the payment so I agreed. The representative lied to me and the interest obviously was moved to my balance increasing my loan amount to about {$75000.00}. My recalculated payment ended up being $ XXXX/month. Each year I have to fill out a form to reassess my income based repayment amount ( many other loan companies have a form you fill out once, not annually ). While this paperwork was processing I once again ended up with a monthly payment of about {$800.00} -it 's conveniently higher now because I owe Nelnet more money because they lied to me-until my income based payment was reassessed. My new monthly payment is now {$200.00} a {$67.00} increase from last year which I can only assume is because I owe more money because my income has not increased from the last assessment and I still owe the {$800.00} payment. A representative once again tried to convince me to put my loan in forbearance, glossing over the fact it would add nearly {$10000.00} to my principle balance and when my loan is reassessed next year the payment would no doubt increase, not to mention the obvious-the amount I owe would go up to {$85000.00}. This representative was at least honest when I asked about my interest. I can not make this {$800.00} payment. There is no waiver of the payment and my only options are : pay money I do n't have, do n't make the payment and ruin my credit, or put my loan in forbearance and owe Nelnet even more money. There is no way to make a formal complaint at Nelnet. I feel like I was tricked into owing more money, representatives misinform and persuade customers into allowing their interest to capitalize, the annual paperwork only serves to create a month where customers are vulnerable to high payments and more likely to be forced to make a poor financial decision to protect themselves in the moment as well as their credit in the long term. Nelnet does not serve or care about their customers-they are only using them to continue to make money and increase their student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO

Complaint:
I opened a saving account at Popular Direct to earn high interest. They closed my account after external transfer was complete from my XXXX  XXXX XXXX account, they told me account is closed for unspecified security reasons but did not provide me specific details. 
I called many times and sent emails and they said they do not have access to the reason for closing. I have over 800 credit score. They finally send me email that we closed the account due to information on the XXXX report. I reviewed my XXXX report and all i see they bank inquires for non credit account verification but no reason for a bank to close my account. 
They are doing this to many customers so that they get short term funding for free and they close the accounts prior to an account is eligible to earn interest. Please see reviews at XXXX XXXX XXXX  I had two account one with {$100.00} trial opening balance and other with XXXX. One opened in last XX/XX/2023 and other this week. In my Popular Account i see that they have refunded {$100.00} back to my XXXX XXXX XXXX account but in my XXXX  XXXX XXXX account I do not see money coming in. XXXX has taken XXXX from my XXXX  XXXX XXXX account despite they will close 2nd XXXX account. 


Bank website : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.

Complaint:
Hi - I got a student loan from Nelnet to attend XXXX. As I was an XXXX XXXX, XXXX set up a XXXX in order to secure the loan. In spite of this, I always received the form XXXX XXXX so that I can file this in my annual tax returns. Recently XXXX took over my XXXX, and without really informing me of anything, are now saying that since they do n't have my original SSN on record, they will not give me my XXXX XXXX form ( even with the XXXX SSN ). I immediately sent them a scanned copy of my SSN, but they now say it 's too late. Since I was never informed of this change, and only now am told it 's too late, I am filing a complaint as I stand to lose XXXX hundred dollars in this arbitrary process change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX has reported my account 90 days delinquent although there is a current payment pause that is supposed to be in effect for all student loans at this time per the Biden Administration.

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 2021-10-21
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:
I give full authorization to move forward with this complaint. I, XXXX XXXX, am a victim of identity theft. Attached below is a an attachment of my FTC Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc

Complaint:
I was contacted repeatedly from a rude guy who works fo r Hunter Warfield. I asked that he do not contact me, stop calling but calls continued. I do not have a signed contract with Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
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:
Someone is accessing my credit reports for the past several years. There are 2 additional Social Security Numbers other than my own. I disputed them 2 Years ago but those individuals are still able to access my credit reports. How do I go about stopping these individuals from accessing my credit reports. There are negative reports that dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
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:
I previously disputed that this item was not mine, provided all three bureaus with the requested information. After 47 days of waiting abd this adversly effecting me, it was removed. I recently checked my credit report and it was added back, without notification and with no regard to the information that was sent to all three bureaus, several times.

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 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
10 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$58000.00} Balance updated XXXX XXXX, XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Payment summary 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 PAYMENT HISTORY LEGEND Status Repossession. {$57000.00} written off. {$10000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$10000.00} Original balance {$47000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 72 Months

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