hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-12-22
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: AMERICAN EXPRESS COMPANY

Complaint:
I have been a cardholder with American Express since XXXX. On XX/XX/XXXX, I received a {$200.00} statement credit with a description of " XXXX XXXX XXXX XXXX '', see attached document. On XX/XX/XXXX, five weeks later, I received an email from American Express stating that " they have credited my account more than they should have ... '', see attached document. 

I called American Express customer service and ultimately spoke to XXXX ( ID # XXXX ) regarding this issue. She explained to me that this credit was given in error and that there were many cardholders who received a credit in error. She offered no further explanation nor did she feel it was the responsibility of American Express to provide further justification. 

If AMEX had made an error to only discover it five weeks later, as a valued customer they should NOT have penalized me for their error. What this company is essentially doing is penalizing their cardholders for their mistake. I have as well as many others I 'm sure have already appropriated funds received from this credit, so in essence, I am being penalized for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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: I.C. System, Inc.

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

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 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint:
HSBC Bank NA knowingly deceived me by using the Attorney which i hired to represent me at a house closing, to represent them ( HSBC ) instead. Hence, i was defrauded in multiple ways by thinking that i hired the Attorney to represent me, whereby he represented HSBC. Whereby, producing fraudulent documents ( by giving me blank documents ), and NEVER stating where the money for an alleged loan would come from. Hence, a fraudulent table-funded loan. 
HSBC was quite aware of the fact that - that type of arrangement is FRAUDULENT AND A CONFLICT OF INTEREST. Please note that i have written proof from the Attorney, on his letterhead with his signature - whereby, he stated that he represented HSBC. Including other documents to state my claims. 

I also have other supportive documents accordingly ... .. 

HSBC is now using gross/polowy ( a collection agency ) to send me on-going HARASSING/BULLYING COMMUNICATION which includes fraudulent information, as well-as to include information for people I DON'T KNOW, and has attached their information to my name. 
HSBC Bank NA must ask gross/polowy whom they have employed to stop harassing me, with fraudulent information, and to cease and desist from harassing me with their fraudulent/defamation of character which they - HSBC AND XXXX have made public. 
HSBC has also allowed the company ( XXXX/XXXX  ) they hired to harass me to attach/link information for people i do not know, and have never known to my name and personal information. Thus, further defaming my character. 

HSBC Bank NA has also given the three major credit reporting agencies fraudulent information about me, which has seriously damaged my financial profile - whereby stating that i took a loan from them, as well-as other company on the same date, which is fraudulent. 
XXXX shows that i'm linked with them as an active account holder. As well-as having multiple loans taken out on the same date - which is NOT TRUE. 
Hence, i'd like to know who is at the helm of the current house foreclosure mill with such fraudulent information, while HSBC Bank NA continue their fraudulent practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE

Complaint:
Barclay MasterCard. I was solicited by Barclay for a 0 % APR on purchases made starting XXXX, XXXX until XXXX XXXX. Once I accepted the offer, which was in a pop-up box, the terms were no longer viewable. I received no confirmation with terms, I can not see terms on their website, terms are not viewable on my credit card statement. 
I had a balance of XXXX before the promo began I paid XXXX in full on XX/XX/XXXX bringing my balance to XXXX I then made a charge on XX/XX/XXXX ( the first day of the promo ) for XXXX. 

My current statement dated XX/XX/XXXX shows a balance of XXXX, minimum payment due of XXXX. Unfortunately in the Interest Charge Calculation section, it states that XXXX will be subject to 14.99 % APR if I carry a balance, and XXXX will be subject to 0 % APR. Those two figures total XXXX. So my understanding is if I only paid the minimum payment of XXXX, I would be subject to 14.99 % APR on a portion of the balance carried. 

I called the toll free number for clarification on XX/XX/XXXX and the first rep I spoke with could not answer the question. I then spoke with her manager XXXX in XXXX, NV who actually stated " I don't know ". 

I feel as though I have been tricked. 
My balance was XXXX on XXXX XXXX. I made no new charges until the 0 % APR promo offer began on XX/XX/XXXX. 
So now I'm forced to pay my entire bill, instead of enjoying the 0 % APR that was promised.

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 2019-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC

Complaint:
In early XX/XX/2019 my daughter visited The XXXX XXXX in XXXX, VA ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ) for an appointment. 

The XXXX XXXX had recently changed head providers and therefore, tax ID numbers, and so my insurance ( XXXX XXXX XXXX ) did not cover the appointment. 

Several months later I began receiving bills from Transworld Systems , Inc. Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX ) for the amount of {$270.00} for the appointment. 

After conferring with my insurance and verifying that they would not cover the cost, I sent the XXXX XXXX a check for {$270.00} through my bank, XXXX XXXX, which was cashed on XX/XX/2019 ( see attached .pdf titled " XXXX XXXX '' for proof showing the image of the cashed check ). 

I continued to receive notices for debt collection for the {$270.00} from Transworld Systems despite paying the amount. 

In early XXXX I went to The XXXX XXXX and spoke to the billing department, informing them of the issue and providing a printout of the proof that the check had been cashed ( same as the attached .pdf, " XXXX XXXX '' ) along with communications from Transworld and from their billing department to copy and inform the involved parties. 

I continue to receive debt collection notices from Transworld despite paying the amount, with the most recent, printed XX/XX/2019, arriving today ( XX/XX/2019 - see attached document " Transworld Letter '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY

Complaint:
I signed up for Wells Fargo 's Checking promotion earlier this year in late XXXX for {$250.00}. The bonus was broken into $ XXXX {$100.00}. Wells Fargo paid the initial bonus of {$150.00} on my account after meeting terms on XXXX but refuses to honor the 2nd portion of the bonus ( {$100.00} ) despite initially leading me to  believe I would get the {$100.00} as I will explain below. The terms for the second portion of the bonus were to continue making direct deposits of $ XXXX every 30 days for another 150 days following the initial 60 day period. 

Sometime just before XX/XX/2019 I contacted Wells Fargo via Secure Message asking about the status of my {$100.00} bonus. They  responded on XX/XX/XXXX indicating that I had yet to meet the terms but led me to believe that I was very close. They specifically detailed out that I made $ 500+ in Direct Deposits of {$600.00}, {$550.00}, {$780.00} & {$500.00} for the 4 months ( 120 days ) following the initial 60-day period and {$400.00} as of XX/XX/XXXX but presumably had until XX/XX/XXXX to meet it ( Deposits from XXXX XXXX XXXX XXXX and XXXX XXXX as XXXX ).  They said I had to make just {$96.00} by XX/XX/XXXX to receive the {$100.00}. The very next day on XX/XX/XXXX, a Direct Deposit of {$140.00} posted thus taking me over {$500.00} for the 5th straight month. So I thought I must be good for the {$100.00} bonus. 

Another month passes by and I still don't see the {$100.00} bonus post yet so I message them explaining to them that I had {$140.00} Direct Deposit post before XX/XX/XXXX. Now Wells Fargo tells me on XX/XX/19 that I don't qualify because I didn't meet the terms saying I only made {$370.00} in Direct Deposits from days XXXX?? ( 4th month ) despite their original message stating that I had done {$500.00}. I feel like I was screwed and deceived out of the extra {$100.00} bonus by Wells Fargo and that it should be honored.

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 2017-07-22
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.

Complaint:
Chase has stated it did an investigation and did not receive any letters of dispute. Chase did not do an investigation. On XXXX XXXX, 2017, I sent Two letters of BILLING ERRORS and requested specific documentation. USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX and USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX. I received no response. On XXXX XXXX, 2017, I sent a second Notices. USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX and USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX, requesting specific documentation. I received no response to the questions stated on the BILLING ERROR. Under the FCBA the Creditor has 30 days to respond, no more than 2 billing cycles, and 90 days most! All of that has come and gone with no response to my concerns or questions. This constitutes the alleged debt cancelled, without negative marks on my credit report under the FCBA. I no longer have a valid agreement or contract with CHASE and will excersise my administrative rights under the full extent of the law. Any further contact or attempt to collect will be considered harassment. I reserve my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Health Care Financial Services, Inc.

Complaint:
For a few years now, two collections accounts from this company ( XXXX for {$710.00}, and XXXX for {$780.00} ) have sat on my credit report, negatively affecting my credit and FICO scores. I do not know where this debt came from, I am unfamiliar with this company and I have had no known dealings or contracts with this company. I don't know where this negative information is coming from. 
There is no paperwork, account information/ number provided to me anywhere or anytime to support why this debt even appears on my credit report. It is a phantom debt on my credit report. This company has a terrible XXXX  rating and I am submitting a complaint to that agency as well. They have a habit of placing phantom, random collection accounts on consumers credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.

Complaint:
Hi, I have a store credit card with XXXX by XXXX XXXX. 
The card was opened on XX/XX/XXXX. but approximately after six months ( XX/XX/XXXX ) there was a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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:
Hi! I have been trying to get this removed from my credit report. Someone opened a Chapter XXXX bankruptcy dismissed in my name years ago. It was listed on Experian, XXXX, and XXXX. It was list twice on all 3 bureaus. I disputed them and XXXX and Experian removed 2 different bankruptcy off my report. However XXXX only removed 1 of 2 off my report. The name was used to open XXXX was XXXX XXXX, that's not or never been my name. My name is XXXX XXXX and has always been. The address that was listed on court documents XXXX XXXX XXXX XXXX, Ga XXXX I have never lived at that address or ever used that address. Those two errors alone that should have made them remove the Bankruptcy. Also there hard inquiries that need to be validated and removed. I didn't authorize for these lenders to have ran my credit. I certainly didn't sign any documents for them to run it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC

Complaint:
I noticed this company is reporting a collection from XXXX XXXX, however Ive been in contact with XXXX XXXX and Im currently paying them directly. 
Also this account balance is incorrect and is reporting differently to each bureau. How can this account be reported by a collection agency if Im paying XXXX XXXX? 
No one notified me of who this company is and I never received any communication from them. 
All information must be 100 % accurate when being reported. This is false, I do not owe this company anything as I dont even know who they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.

Complaint:
On XX/XX/XXXX i cos-sign on a vehicle for XXXX XXXX and this company approved the finance for the vehicle this a a notice that i have already contacted them on two sperate occasions and gave them notice that i recind pursuant the these references First, when an obligor exercises his right to rescind, he is not liable for any finance charge or other charge, and any security interest given by the obligor becomes void upon rescission. 15 U.S.C. 1635 ( b ).

Second, within twenty days after receipt of the notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment or otherwise, and shall take any action necessary or appropriate to reflect termination of any security interest created under the transaction. Ibid.

Third, upon performance by the creditors obligations under this section, the obligor shall tender any property the creditor has previously delivered ( or its reasonable value ). Ibid. Pursuant to Reg Z notice is given by mail, telegram, or other means of written communication. 12 C.F.R.226.23 ( a ) ( 2 ) ; See 12 C.F.R. Pt. 226, Apps. H-8, H-9 ( Model forms for excising Rescission Right ) ; 12 C.F.R. 1026.23 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
I had 4 inquiries on my report> I called experian as they said I cant dispute those online. I asked them to investigate and have them removed and agent refused. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed.

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 2021-08-21
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: BARCLAYS BANK DELAWARE

Complaint:
Hello, I have repeatedly disputed a fraudulent charged off account that is showing on my credit reports. As soon as my wallet was lost, I immediately contacted all my cards and canceled them and when I begin to see fraudulent accounts showing up on my credit report I contacted the police. I have worked very hard for my stellar credit, however I can't seem to get this inaccurate information removed permanently from my report. This company has an account that is fraudulent and they are reporting it as if it was mines. I have tried everything, but they still will not do whats right. 

This company is bullying me and tarnishing my credit even after Ive pleaded with them to seek the truth and do the right thing and remove this fraudulent charge off of my account and stop reporting it to the three major bureaus. Please help me. The next step is legal action

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 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.

Complaint:
EQUIFAX is not reporting my monthly payments. I need my payments to report. This affecting my credit reporting. I have a auto loan through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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: Trident Asset Management, L.L.C.

Complaint:
XXXX stated once account was satisfied, it will be removed from credit file. Account been satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.

Complaint:
This company is reporting three unknown accounts on my credit report. This is an unfair practice of this company. I have called them several times and they claim they can not find these accounts with my social security number. How is it possible when they are reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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