hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-12-31
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: JPMORGAN CHASE & CO.

Complaint:
In XX/XX/XXXX, I used my Chase credit card to make two purchases for stock and option trading services from XXXXXXXX XXXX XXXX in the amount of {$5900.00} ( two transactions of {$2900.00} ). Due to the company not providing the service ( s ) that I purchased, I disputed these transactions with Chase Card Services and faxed a formal signed letter to Chase Card Services per its request. An interim credit was issued while Chase allegedly conducted its investigation. However, some time later Chase informed me that it was siding with the merchant ( without explanation ) and re-billed me for those charges in XX/XX/XXXX. I filed a subsequent complaint with Chase because I still wasn't receiving the services that I had paid for but Chase indicated that there was nothing it could or would do. 

I continued to press the merchant, XXXX XXXX XXXX, for quite some time and eventually started receiving the services that I was expecting. In early XX/XX/XXXX, the service ( s ) stopped and calls and emails to it's Customer Support went unanswered. 

I subsequently learned that the Federal Trade Commission ( FTC ) was suing XXXX XXXX and XXXX for XXXXonsumer fraud and had filed its lawsuit on XX/XX/XXXX. I filed complaints with the FTC and XXXX XXXX XXXX. The FTC indicated on its website that I should contact my credit card company which I did. I called Chase Card  Services on XX/XX/XXXX and was told to submit my dispute in writing which I did. However, in spite of all the new information, Chase Card  Services representative, XXXX, a supervisor, has told me that there is nothing that it can or will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Experian requesting that they DELETE these mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway to taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to remove the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be deleted are as follow : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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:
I have a XXXX  XXXX XXXX credit card on my Experian credit report. The XXXX  XXXX XXXX credit card is not mine and I have confirmed with XXXX XXXX XXXXXXXX. I have dispute with Experian twice about this issue but they are not able to remove the incorrect information on my report. 
Report Number : XXXX Date GenerateXXXX : XX/XX/2021 2021

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 2022-03-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank

Complaint:
The current card expired on XX/XX/20 and First Progress never sent another card. They say they sent another one out over 3 weeks ago and I have yet to receive it. I called and they said they would send another one out but it takes up to 2 weeks. This card is secured card and they are holding my funds and I can not use them due to their incompetence. They are making interest on my money but I cant access in accordance within the user agreement. Then if I want to speak to a manager, they refuse and give ma a fax number to send my issue, The refuse to overnight a new card. When I said to close my account hey said it takes 10 weeks to receive the check, all the while they are making interest on MY money. If I want it sooner, I would have to request it by fax. Since past experience has shown they rarely follow through and do as they promise I do not expect them to do what they said. I have had it with them. I need those funds now as I am going through XXXX treatments and need that money for my care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Robert Morgan Group Inc

Complaint:
On XX/XX/2023, Robert Morgan Group illegally charged my debit card without receiving my authorization to do so. 

On XXXX, Robert Morgan Group illegally charged my debit card without receiving my authorization to do so and violated the payment arrangement that was signed by both parties. Payments are to be authorized by myself and the payment date is the XXXX of each month. 

As stated in the pictures I have attached, both unauthorized payments were made at XXXX. No calls were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP

Complaint:
There is a missing payroll check that the IRS is seeking-I am wondering if I cashed it because it's not on a statement. I get no response to calls and emails. My contact is 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 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.

Complaint:
was on vacation in XXXX on XX/XX/2018, and I had my credit card with me, I went to dinner and when I paid my bill I gave my card to the waiter to make the payment, the waiter left and a few minutes Then he return with my card and my bill. 
that was the only time I did not have my card in my hands Two days later when reviewing my account statement I realized that I had a charge of XXXX dollars from a bar restaurant in which I was not there that night and in fact I have never been in that place. 
I made my claim with the credit company and they did not want to follow my case because supposedly that payment was made with the physical card. 
I have asked for proof that it is actually my signature, because although physically I was supposed to sign. 
The credit card company never showed me any proof that the signature is mine or that in fact that receipt is signed. 
I was a victim of fraud and they ( the credit card company ) said that I have to make a report to the police, I was on vacation and I realized when I returned to the country. How am I going to return to make a report? 
I think they have an obligation to follow up and show me the proof that I was the one who was consuming XXXX dollars in food and alcohol for one person.

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 2019-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Colony Brands, Inc.

Complaint:
CEASE COMMUNICATIONS AND REMOVE ALL CREDIT REPORTING OR BE SUED. FOR XXXX XXXX AND MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.

Complaint:
Hello, This is a direct dispute of credit reporting. This is not a request for debt validation/verification under FDCPA 809 ( b ).

After reviewing my credit report I have found that XXXX XXXX  purchased 2 debts from XXXX XXXX  that I do not owe. XXXX is reporting 2 inaccurate accounts and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. XXXX XXXX is not reporting on any of my credit reports across any agency. I never signed anything or submitted my information to go into contract with either of these companies. I am attaching a copy of my XXXX  credit report for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC

Complaint:
I visited a XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX FL two years ago. As a result, I had XXXX XXXX  XXXX to be exact so I paid out of pocket which means you have to pay upfront. debit card To be exact! long story short I received 4 XXXX XXXX that was not done correctly which ended up needing a XXXX XXXX XXXX on one of them due to the XXXX not being properly XXXX. as a result, it was a horrible story I contacted the XXXX a week later telling them about the pain I was experiencing even after them telling me lies stating the filling just need to be filed down or given a few weeks which turned into months. I wasted over 200 dollars dealing with XXXX XXXX XXXX. So after telling them of my dissatisfaction and to refund me for the terrible service they decides to not refund me or credit me and years later place the balance on my account as unpaid with some credit debt collection called XXXX XXXX XXXX on XX/XX/XXXX and it appeared on my credit report on XX/XX/XXXX to all 3 credit bureaus because I decided to dispute the transaction off of my debit card years before now all of a sudden I owe them wow so fraudulent. If i wanted to be evil I could've filed a lawsuit against XXXX XXXX for providing me with unprofessional XXXX work causing me XXXX   and pain. This XXXX place is a fraud. It has terrible reviews, they're doing terrible work and not resolving the issue and placing the fraudulent bill on people credit. I have contacted them before and I will contact them again and let them know of this issue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.

Complaint:
I got an auto loan from GM Financial, began paying in XX/XX/XXXX. SKY high interest rate of 14.27 %. First lie : GM said after one year they'd renegotiate to a lower rate. That was a BOLD FACED lie! They switched gears and claimed " oh we don't do that ''. Then I paid payments and over time I realized they were NOT applying the payments correctly. I asked for an exact accounting of principal vs. interest, GM Financial refused to provide that. I have, over time, due to health issues with my wife, a XXXX XXXX survivor and now complicated XXXX/XXXX had several extensions. Each time I was charged fees, but you can not find anywhere where the fees are applied. I asked, GM Financial refused to respond. Then GM Financial agreed to a two month extension, said paperwork was on the way, but reversed course and did nothing. I have asked about lowering the interest rate as promised, they refused. I have paid, before the XX/XX/XXXX payment, XXXX towards the original loan of XXXX. Of that according to the paperwork XXXX was/is interest, BUT they have charged me XXXX interest. I have been CHEATED out of XXXX. When I asked about this they claimed they could not answer that. GM Financial is running a dishonest operation that scams customers.They stonewall, refuse to show payment breakdowns of payments, refuse to lower interest rates, refuse to give you any explanation of questions. They have fuzzy accounting that is worse than loan sharks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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:
Re : DELETE FRAUD ACCOUNTS UNDER SCRA 50 USC 3953 As indicated above my information may have changed in your files since my last confirmation dispute, please apply all changes to the information above. 
1. DPT EDXXXX Acct # XXXX Opened on XX/XX/XXXX This account does not belong to Me, SCRA XXXX  Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 2. XXXX Acct # XXXX Opened on XX/XX/XXXX This account does not belong to Me, SCRA XXXX Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 3. XXXX Acct # XXXX Opened on 7/2019 This account does not belong to Me, SCRA XXXX Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 4. XXXX XXXX Acct # XXXX Opened on 4/2017 This account does not belong to Me, SCRA XXXX  Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc

Complaint:
XXXX CO NAME : PAYPAL CO ENTRY DESCR : XXXX XXXX XXXX : WEB IND ID : XXXX XXXX XXXX ID : PAYPALXXXX  I notice a transaction of {$19.00} posted on my checking account which is linked to Paypal today. However, I didn't make any purchase of that amount. I suspect my account got hacked since I did some purchases on my phone for the game app several days before this thing happened which is made through PayPal. HOwever, my actual purchase showed differently from this one. It is PAYPAL XXXX XXXX XXXX XXXX WEB ID : PAYPALXXXX.. I dislinked my checking account immedialtely and report to my bank this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation