hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY

Complaint:
My American Express reward points ( Membership Rewards ) have been frozen for several months pending a " review '' by AMEX. 

I want AMEX to complete the review immediately or commit to complete it within a reasonable timeframe so I can redeem the points as advertised. 


Whenever I contact AMEX about the issue, their agent say my Membership Rewards account is under review and it will take 6 to 8 weeks for the review to be completed. However the 6 to 8 weeks period has passed and I keep getting told by agents to wait more weeks with no explanation about the delay or a clear timeline. Agents seem to he unempowered to do anything about the issue and unable to put me into direct contact with the actual team doing the review. 

Again, the resolution I'm looking for is I want AMEX to complete the " review '' immediately or commit to complete it within a reasonable timeframe so I can redeem the points as advertised. 

If the AMEX team reviewing my complaint is not empowered to directly resolve my issue, please escalate or transfer this complaint to the team responsible with completing the Membership Rewards account reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation.

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law.

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, XXXX   Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or TransUnion ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avadyne Health Holdings, Inc

Complaint:
No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( XXXX  ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.

Complaint:
I submitted my annual Income-Driven Repayment Plan re-application to XXXX XXXX and Navient TWICE per the studentloans.gov instructions - the first application was # XXXX and was submitted onXX/XX/XXXX and the second was # XXXX, submitted XX/XX/XXXX. XXXX XXXX  only confirmed receipt and approval of my application upon my filing of an inquiry to studentloans.gov on XX/XX/XXXX - case # XXXX. Navient took two more weeks and only approved my application yesterday because I wrote a strongly worded email to their " customer advocate '' after my automatic payment was 200 % higher than normal. I am already stretched thin financially after moving across the country and taking a pay cut to be closer to my family and I overpaid on my student loans this past month because of these service providers ' neglience and irresponsibility ( or just unwillingness to process my application ). The moral of this story is that student loan providers are no better than loan sharks who will use any means necessary to extract all the money they can from their customers, who are now virtually required to get some sort of degree to be competitive in the job market. My family did not have the means to pay for me to go to school and I wish someone had told me how predatory the student loan industry is before I signed on the dotted lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION

Complaint:
My original payment is {$250.00} a month I paid {$300.00} the first month the payment went down to {$210.00} if I continue to pay XXXX should n't the extra be applied to the principal they say it does n't because my normal payment is {$250.00} I thought my payment due would continue go down because the extra I am paying would go to principal instead of being like the original payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL

Complaint:
In XX/XX/2019 I received a phone call from XXXX XXXX stating she is going to handle my case from XXXX XXXX. She told me that and hung up. I didnt ask her anything or go into depth about anything. I received a letter today dated XX/XX/XXXX thanking me for speaking with her and that I requested for my card to be reopened. Neither are true and she lied about a letter being sent to me. XXXX wrote a letter that was basically a lie. She called to inform me she was taking the case and hung up! Nothing else was said or asked.

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 2021-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Netspend Corporation

Complaint:
Mail from all access meta bank came in saying that I have opened an checking account and it also came with a debit card. 

I have never opened a bank account by this name

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 2018-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc.

Complaint:
In XX/XX/2018 I disputed an inaccurate account on all XXXX of my credit reports, The inaccurate account is XXXX XXXX XXXXi # XXXX. All the credit bureaus reported back as the account was verified, I Then contacted the bank which the address that's listed on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I sent the original creditor a Verification Letter asking for them to send me proof that they have my legal signature on the alleged account in the file.,,, i sent my certified letter on XXXX, XXXX 2018. They signed for the letter on XXXX, XXXX, 2018 ... .Todays date is XX/XX/2018 and they have failed to respond to my certified letter. They had 30 days to respond to the certified letter and they failed to provide me the documentation I asked for by law I am entitled to see and know what account they are saying is mines,,, I needed to see proof and I did my part,, they have violated my rights,,, I have copies of the letter that was sent and copies of the US Postal Service certified mail receipt, and a copy of the delivery noticed that they signed for my letter and today is the XXXX day,,, please delete this inaccurate account from my credit file. This is not Right that these companies don't respond to certified letters, I did my part,,,, and XXXX XXXX XXXX failed to do theirs..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.

Complaint:
I sent a letter to Resurgent on XX/XX/2023 asking them to validate a debt they claim that I owe. On XX/XX/23i received a letter in the mail that did not validate or even respond to the letter I sent them. Below I have attached the letter that I sent them as well as the letters that I received in response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC

Complaint:
We keep getting called by XXXX, upon answering the message says this is a debt collection call, press # to speak with someone or it just forwards our call to someone. Name of Company : Allied Interstate looking for " XXXX '' They have been calling repeatedly for a month now even though we have contacted the company by phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC

Complaint:
I have something on my derogatory marks that say I owe XXXX for Enhanced recovery compan, I dont know who open that, I never open this account Ive Ive been trying figure out my my account keeps going down and thats why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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:
The credit reporting bureaus, all 3, are in accurately reporting on credit checks when I was purchasing my house in XXXX, last year, between the months of XXXX through XXXX. 

I had a pre-qualifying checks pulled in XXXX, XXXX, XXXX and again in XXXX. The credit agencys are reporting these individually which is affecting my score. 

Multiple inquiries from different lenders are typically counted as only a single inquiry as long as theyre made within the same 14 to 45 days.

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 2023-08-23
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.

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY

Complaint:
To whom it may concern : According to 15 U.S. Code 1681C-2 consumer reports reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted form an alleged identify theft, not a later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am victim of identify theft!

please delete the items immediately!

These accounts should not be furnished on my consumer reports as they are in VIOLATION under 15 U.S. Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Along with this letter I have attached supporting documents in order to update my file. It is important that I recover the credit score. If you have any questions please feel free to contact me at the information above

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 2020-04-30
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: Experian Information Solutions Inc.

Complaint:
This was removed previously but was applied back on to credit. The agency has failed to provide documents I sent certified letters in request multiple time and have also failed to answer the lawsuit within do time.

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 2019-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL

Complaint:
Credit card- MasterCard through Synchrony bank through XXXX XXXX XXXX. 

I purchased a flight on XX/XX//19 I went to use the card to purchase gas on XXXX19- declined. 
I went to purchase food on XXXX19- declined. 

I call synchrony bank on XXXX19- they informed me that I authorized closing my account and wanted a new card issued. I could not understand the agent I was speaking with and she refused to transfer me to management/etc. 

I called today, XXXX19- and asked to speak to the fraud department. 
I was told by Synchrony Bank : on XXXX/19- a person claiming to be me, called from my cell phone number which is linked to my account- said I lost my card, I had a death in the family and needed a new card expedited to me- at my current address. This person was able to answer all security questions to verify it was the primary card holder. 
They said they have a recording ... but I was not allowed to listen to it. 

I told the fraud department I did NOT call them on XXXX -- I did not loose my cell phone or any personal information. I did not authorize anyone to call on my behalf. 
They said they mailed the new card out on XX/XX//19. To this date ( XX/XX//19 ) I have yet receive this new card I did not authorize. 

So- synchrony bank is closing the new card account ( as someone has intercepted my mail and has the new card and activated it ) -- - and is sending me a NEW card via XXXX  with signature needed for delivery. 

They said they will update my security but did not ask for different questions. 

I am absolutely terrified that someone can do this ... Call from my cell phone number without having my actual cell phone ; pose as the primary card holder, shut down the account and ask for a new card to be expedited, and then intercept my mail to get the new card and activate it. I was never once notified by synchrony bank that my account had been closed/a new card had been issued/or that I even called to close the 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 explanation
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc.

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}.

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