hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-04-11
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2020-02-14
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: CITIBANK, N.A.

Complaint:
In reference to prior complaint # XXXX-XXXX  Citibank refund me {$100.00} for insurance company XXXX XXXX XXXX. 
Yet, the insurance company never refund me for the amoun of my wedding ring lost at the airport or at leas half of the value. 
Citibank never refund me the {$200.00} offer in their page to open a new credit card or use your card now and you will get the refund on the next stament.

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 2016-11-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.

Complaint:
This collector XXXX contacted my friend off of my XXXX! He was my old boss ... I Do not work anymore and i had his old info on my XXXX. He told me they called once before and said they were a debt collector .. They called him again and i was visiting. Ironic. So they stalked my XXXX and called my friend to contact me. Not only did they Embaress me, but she talked down to me, yelled at me and was down right demeaning! I have NEVER been talked to like that before. Like i was just scum. I didnt even get a chance to ask what the debt was for before she started yelling at me. I dont know what kind of business is aloud to treat people that way!! If she wanted money, that is most definitely not the way to go about it. To threaten, yell and intimidate and harass. Its awful!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
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:
I've notified Equifax several times regarding incorrect information on my credit report. They've replied to one inquiry specifying that the information has been verified, but upon request of information pertaining to how they verified the information they've ignored me. They've provided me no information as to how this inaccurate information is valid. I've mailed them information on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.

Complaint:
A cheque for {$2500.00} was deposited on XXXX XXXX at the Chase Bank on XXXX XXXX XXXX, XXXX Florida to my personal checking account. 
On XX/XX/XXXX the cheque was cleared by the bank. 
Later on that day, and only after it was certain that the funds were cleared, the said funds were utilized for the purpose for which the cheque was issued. 
On XX/XX/XXXX, to our horror, the cheque was reversed, funds were withdrawn from our account without letting us know and we were charged the additional {$12.00}. 

We went to the bank to complain and they said that it was our responsibility to wait 5 days before the cheque would be really cleared. 

The reason for reversing the cheque is that it was allegedly false. 

We do not understand how can cheque be cleared and then uncleared at the discretion of the bank. The funds were utilized and we are now left with a credit of {$2500.00} without fault of our own. 

The bank was not even considering a possibility that clearing and then unclearing the cheque is anyhow their responsibility, but they have easily passed on the blMe to us, the consumer, to somehow verify the validity of the chequ prior to utilizing those funds, even though they clearly cleared the cheque.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2018 I submitted a dispute to Equifax stating that a hard inquiry by XXXX XXXX XXXX dated XX/XX/2018 on my Equifax was NOT approved by me. 

On XX/XX/XXXX Equifax replied with confirmation Number XXXX statingthey had investigated the dispute and did NOT remove the hard inquiry form XXXX XXXX XXXX. They provided me with the following invalid address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wrote a letter to XXXX XXXX XXXX using that address and my letter was returned by post office as NOT deliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: EQUIFAX, INC.

Complaint:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
XXXXXXXX XXXX  -- XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX account was identified as fraudulently open and closed with a {$0.00} balance reported. 6 months later XX/XX/XXXX the balance on the account increased from {$0.00} to {$320.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc

Complaint:
Hacked account XXXX and direct deposapplication. App. applicatin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA

Complaint:
*THIS IS NOT A DUPLICATE- ADDITIONAL EVIDENCE ATTACHED* I can not believe I have to keep fighting this. GM states I am responsible for late fees and interest because I did not make payment from XXXX to XXXX. I paid the account in full on XX/XX/XXXX for all charges up to that date. There were only 4 charges after that. {$72.00} and {$15.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX. THESE WERE FRAUDULENT/UNAUTHORIZED charges. All 4 have been disputed and APPROVED by GM. I have attached the 4 approvals and the statements with the original charges. GM is stating that because I did not make payment on unauthorized charges, I am responsible for the late fees and interest that accrued on those unauthorized charges. How is that legal? All authorized charges were paid in full. The late fees and interest are on the 4 unauthorized charges. Once the disputed charges were investigated and REMOVED, shouldnt all subsequent fees and negative reporting be removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
To Whom it May Concern, On the evening ( approximately XXXX XXXX. ) of XX/XX/ I made a mobile Bank of America deposit of a payroll check from XXXX XXXX XXXX XXXX in the amount of {$5500.00}. According to Bank of America 's Cutoff times for deposits, transfers and payments -- see https : //www.bankofamerica.com/XXXX  -- mobile checks must be deposited before XXXX XXXX ET for same-day credit and as I quote from their website : " Funds will generally be available the next business day. '' After my mobile deposit was completed, I was informed via email that my funds will not be released until the date of XX/XX/ at approximately XXXX XXXX ET. Due to the large amount of funds, my payroll check falls under the deposit exception rules stated in federal regulations. However, the FDIC Law, Regulations, Related Acts states in 229.13 ( b ) that : " Under 229.13 ( b ), the large deposit exception, a depository bank may extend hold schedules when deposits other than cash or electronic payments exceed {$5000.00} on any one day. A hold may be applied to the amount in excess of {$5000.00}. To apply the rule, the depository bank may aggregate deposits made to multiple accounts held by the same customer, even if the customer is not the sole owner of the accounts. '' Bank of America is in violation of these stated regulations. Under 229.13 ( b ) Bank of America is required to release these funds as stated on their webpage. Bank of America is violating this federal regulation by withholding all monies. Under federal law, Bank of America is legally required to release the first {$5000.00} within the next business day and may hold any monies or excess over {$5000.00} for a maximum of 9-business days as stated in the FDIC Law, Regulations, Related Act. 

I have contacted their corporation using numerous mediums but their company refuses to resolve this dilemma and continues to hold my monies, including the first {$5000.00} untilXX/XX/XXXX My intent is resolve this injustice and bring attention to how this corporation is noncompliant with federal regulations. I am only one customer, but I encourage the CFPB to look further into this issue since it appears to be common practice with this entity. I am surely not the only victim. 

Regards, 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 monetary relief
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Monarch Recovery Holdings, Inc.

Complaint:
Contacted me at my place of business and disclosed to my employer that they were a debt recovery company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.

Complaint:
Car repossessed had been given a reprieve on payments due to evacuation of California XXXX and pandemic. I was temporarily XXXX. 
They towed my car once established, I had been trying to reach them and they had my new temp address. With no response or paperwork they took my car on my moving out date. 
I paid all my fines, finance charges and on XX/XX/XXXX was able to retrieve my car that was moved again to auction yard 2hrs away. I called Ally and asked for my pink slip and was told I would have to wait 45 days. I asked for paperwork that explains this. Never received anything. Gave her my new address and waited. In XX/XX/XXXX I had an alert from XXXX that I have XXXX outstanding on my credit report? 
Why no bill like other financial institutions? I pay my bills, you have my email as well. 
My car hasnt ran well since I picked up from the 2nd salvage yard. It hadnt ran since and now I need to sell it so I can buy a car. My mechanic is looking at it and said it could be from the towing and is taking photos. 
I would like my pink slip on 30 days and the XXXX charge forgiven as I have paid already XXXX plus fines that are more then the car is worth. The car had been paid in full. 
I am sending this letter as requested to out XXXX XXXX tv news station that helps consumers deal with corporations. They air the dispute on the news as well. 
I will follow up as I have reached out several times to Allys complaint and dispute department, all I get is texts saying someone will call. 5 hours no calls yet Thank you for taking care of this in a timely manner. 

Here is all my pertinent information : XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Acct # 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 monetary relief
Consumer complaint received 2021-07-16
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 following information/ accounts are inaccurate and need to be removed from my credit report immediately. 

FCRA VIOLATION SEE BELOW / SEE ATTACHMENTS wrong names - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong addresses - please remove XXXX XXXX  XXXX, NM XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY XXXX XXXX  XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY wrong phone numbers - please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX wrong employer - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove from my report RemoveXXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove RemoveXXXX  XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late, please fix RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
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: SYNCHRONY FINANCIAL

Complaint:
Numerous phone calls before and after filling of bankruptcy. Harassment and ongoing calls from 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 explanation
Consumer complaint received 2019-11-07
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:
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XXXX  Reporters XX/XX/XXXX EXXXX  XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX Miscellaneous XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX BANK All Banks XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX   XXXX Bank XX/XX/XXXX TransUnion XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ExXXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion LXXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX Reporters XX/XX/XXXX XXXX XXXXXXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX  XXXX - XX/XX/XXXX XXXX   XXXX CARD - XX/XX/XXXX XXXX   XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Finance - XXXX XXXX   XX/XX/XXXX XXXX XXXX CARD - XX/XX/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 2018-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP

Complaint:
I opened my account with US bank at XXXX XXXX XXXX XXXX XXXX, Ca XXXX on XX/XX/2018. When I opened the account I had XXXX XXXX oops me out of overdraft protection. Any transactions made and there was not enough money to cover the purchase in the account the transactions would be declined. Once the bank seen a had a direct deposit someone started manipulating the account causing overdraft fees. I made a cash deposit of {$76.00} using the ATM at this particular bank and the money has disappeared. The money has been missing unaccounted for-for 6 days as of today with no resolution.

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 2015-10-02
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CURO Intermediate Holdings

Complaint:
This collection agency keeps harassing me about an account that was a predatory loan. I will literally be paying this debt until I am dead. I asked them to verify the debt and requested the original debt amount and contract with my signatures, because the amount they are trying to collect is not the original loan amount. It has been over 45 days and they have not sent me proper validation. No bill, no statement, no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: RAB, INC.

Complaint:
XXXX XXXX # XXXX This is my second complaint against this company. 
1st complaint XXXX XXXX XXXX emailed me 23 times and threatened to sue me for theft of services and told me I would go to jail for this. 

This was a business loan even though it states in the contract that this is not a loan. But i received money which I started to pay back immediately but then was unable to do so because my bank closed my account for being negative. Because my business stopped operations for the summer due to Covid. I tried to contact them to let them know my business would not be operating for the summer but their website does not have an email address or a phone number listed. They did not 6 months ago and still do not to this day have any phone number or email listed. 

Also, I am not a personal guarantor for this loan. 

This time XXXX XXXX XXXX called me again but she was impersonating someone else. 
She claimed her name was XXXX XXXX. But this was the same person I spoke with last time. She threatened me with the same actions as last time, threatened to sue me for theft of services and jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.

Complaint:
My father died onXX/XX/XXXX When I called to inform XXXX XXXX XXXX, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the yearXX/XX/XXXX so I can see exactly when they added my name. I believe it was inXX/XX/XXXX. I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
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: Experian Information Solutions Inc.

Complaint:
The items are not my items

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 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.

Complaint:
On XX/XX/2022, I sent Midland Credit Management a notice informing them of inaccurate information being reported on my credit report. I also informed them of why I needed the incorrect information corrected for Tax filing purposes. The company has listed this account on my XXXX and XXXX Credit Report as a charge-off, however, they never sent me a 1099c which is what the IRS informed me I should have fact received so that I may correct my Tax return. This is being reported on my Consumer Report as a Debt that is owed when it is in fact income. If this is the case, I requested the 1099c from Midland directly however, I have yet to receive a response with the information requested and that the Internal Revenue Service informed me to request. This can not be correct and therefore is inaccurate as it can not be debt and an income at the same time and how it is currently being reflected on my Consumer Report. This account Midland Credit Management is furnishing needs to be removed as soon as possible. Additionally, I sent out notices to XXXX and XXXX advising them that this account is inaccurate as well and the account still is being reported more than 60 days later. If this can not be corrected at this step with CFPB and Attorney General, I'm forced to turn this over to my Attorney to pursue this issue further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc

Complaint:
Went to the Emergency Room at Utah XXXX Hospital in XXXX, Utah in XX/XX/2016. Paid bill for hospital portion and for XXXX services. Never received one bill from Utah XXXX XXXX XXXX for this visit!! Never received a phone call to verify my address or tell me that I had a debt.

Company response to consumer: Closed with explanation