hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capital Accounts, LLC

Complaint:
My husband and i moved. My sister who was going to continue to rent the property we were leaving. I call and had the electric turn off att the old place and turned on at the new. My sister called them back and said she was me and had the leave the electric on at the old property. I did not agree to it

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: 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:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

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 2022-05-25
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:
XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX *Last 4 of SSN : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Consumer Financial Protection Bureau XXXX I'd like to file a complaint against XXXX XXXX XXXX XXXX I disputed a XXXX account through Equifax, XXXX and XXXX in XXXX and XXXX of XXXX, the account was not deleted from my credit profile after the dispute was completed. As part of the dispute, I requested debt validation to include a contract or contracts signed by ALL parties involved. Instead of a signed contract, XXXX sent a variety of paperwork that didn't include none of what I requested. 


Please help me to either obtain a contract signed by ALL parties involved from XXXX XXXX XXXX or demand that the company cease and desist all collection activities including credit reporting. 


Thanks in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : 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 2022-07-05
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:
In accordance with the fair credit reporting act has XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint:
I have submitted loan payments through XXXX bank to AES for over 15 years. I submitted this month 's payment on XX/XX/XXXX. XXXX processed it on XXXX and received by AES on XX/XX/XXXX before my XX/XX/XXXX due date. As of XX/XX/XXXX, they are showing my account delinquent which threatens my credit score. I've contacted customer service multiple times and have been given the runaround. I have proof that AES received the money and they won't take it in a convenient format, instead, wanting me to mail it via XXXX so that my credit score will be FURTHER impacted. This is not right! I've been paying these crooks on time for ALL of my adult life, they can at least have the competence to apply my payment correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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

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 2023-02-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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 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 2018-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC.

Complaint:
3rd complaint being filed - actually reached out to the original credit and they have replied to me - collection agency states I spoke w/a XXXX XXXX that is false. I have never called this agency ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
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:
There is incorrect and inaccurate information on my credit report with XXXX, XXXX and Transunion such as a extended 90 days and active Fraud Alerts.
Also there is twenty nine unauthorize hard inquiries on my XXXX, Transunion and XXXX .I am providing the Federal Government a list of all the Unauthorize Hard inquiries on my XXXX, XXXX and Transunion credit reports.
The list are as follow.
1.XXXX Hard Inquiries 1.XXXX.Dated XX/XX/XXXX.XXXX XXXX XXXX.XXXX, Texas.XXXX.XXXX  2.XXXX XXXX XXXXDated XX/XX/XXXX 3.XXXX XXXX XXXX.DatedXX/XX/XXXX.XXXX XXXX XXXX, XXXX, Utah.XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 2.Transunion Hard Inquiries 1XXXX XXXXXXXXDated XX/XX/XXXX 2.XXXX XXXX.DatedXX/XX/XXXX 3.XXXX XXXX XXXX  .Dated, XX/XX/XXXX 4XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX.XX/XX/XXXX 6.XXXX XXXX  XX/XX/XXXX 7.XXXX XXXX.Dated XX/XX/XXXX 8XXXX XXXX.XX/XX/XXXX 9XXXX XXXX XXXX.DatedXX/XX/XXXX 10. XXXX  XX/XX/XXXX-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 3.XXXX Hard Inquiries 1.XXXX XXXX. Miscellaneous Reporting Agencies .Dated XX/XX/XXXX 2.XXXX .Miscellaneous Reporting Agencies.Dated XX/XX/XXXX3XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX Telephone Company.I do n't have no services with this company.
4.XXXX XXXX XXXX Dated XX/XX/XXXX 5.XXXX XXXX XXXX.Dated XX/XX/XXXX 6.XXXX XXXX .Dated XX/XX/XXXX 7.XXXX XXXX XXXX.Dated XX/XX/XXXX 8.XXXX XXXX XXXX.Dated XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX 10.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 11.XXXX XXXX XXXX.DatedXX/XX/XXXX 12.XXXX XXXX XXXX Dated XX/XX/XXXX 13.XXXX XXXX XXXX XXXX. Dated XX/XX/XXXX 14.XXXX XXXX # XXXX Dated XX/XX/XXXX15.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 16.XXXX XXXX # XXXX.XX/XX/XXXX My credit scores are suffering because of the negatives, collections wordings and collections and inquiries on my credit report with XXXX, Transunion, XXXX.
I am XXXX, XXXX and a Military Veteran.I like to apply for a VA Home Loan, but my scores are not high enough to get a better interest rates.

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 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL

Complaint:
I tried to fix this and contact the company on Monday XX/XX/XXXX, XXXX. I tried three months ago. I honestly, had forgotten about the bill as-well. But, they won't let me pay it directly from my bank because they say it's been denied. Than how am I supposed to pay it? I don't have an alternate bank account I can pay it with and that's hyper unreasonable to ask.

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 2022-03-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL

Complaint:
Transaction Date XX/XX/XXXX Amount {$99.00} Transaction ID XXXX Purchased Item using PayPal credit Website I purchase item is XXXX ( Website no longer exist ) will attach screen shots of website of the item i purchase.. then after purchase was made this other seller info came up on the email after i made the purchase. This website claims that this item was made in the USA but doesn't make sense if the item is coming out of XXXX based on the bellow seller. This sounds like a scam since the website is not long available. 
Submitted dispute on XX/XX/XXXX. Dispute was closed when merchant actually responded to PayPal and said item was shipped. PayPal took their word for it and re billed me but I still do not have the item. 

Seller info : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date reported : XX/XX/XXXX Invoice ID : XXXX Transaction ID : XXXX Transaction amount : {$99.00} USD

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 2022-11-28
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.

Complaint:
i received an update on my credit report and I now have a collection reporting from a company names Midland Credit Management. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company. 

After doing research on this company Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. Midland has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.

Complaint:
Original creditor was XXXX  XXXX XXXX  in XXXX, but then suddenly it appeared on my credit report as of XX/XX/XXXX by paramaunt recovery sistems. so it impacts my credit score like it was fresh debt from XXXX. Never received any bills on this amount and any notices so I could be able to fix it. And since it was 3 and a half years ago, but the collection company reports it like it was this year wich impacts my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated

Complaint:
I had my wages garnished for a credit card debt that was bought by Unifund. The total amount was sent to my employer and was completed in XXXXXXXX XXXX XXXX. I have now received communication from this debt collector for additional court costs. Now they are threatening to garnish my wages again which could end up costing me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc

Complaint:
Chime has suspended my account without telling me, and I do not have access to the funds I held with them. I tried to have it unlocked in XXXX ( communication happened on XX/XX/XXXX, XXXX, XXXX, XXXX ) but I did not follow up. I tried to have it unlocked again in XXXX, and still have not managed to do so. I tried to switch the email address associated with my account ( because I suspected that their messages are being filtered out as spam by my provider ), but they could not do it. I also told them I have moved, but they said they needed a proof of address for the address that I entered when opening the account. 

They are requesting documents from me ( government ID, secondary ID, proof of address for the first address ), all of which I have supplied to them ( several times from an email address different to the one on my account, and twice from the respective address on XX/XX/XXXX and XXXX ). I call them on an almost daily basis ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) and am ( among other things ) being told that my documents are being reviewed and someone will get in touch ( which they never do ) or they make up some stories about departments that don't exist. Every time I call, the person ( even supervisors ) tells me that I need to send them the documents and I have to tell them that I already did and am waiting for an outcome. Then they say they are forwarding the case to the back office for checking and that they will message me, but no one has ever written back. 

I have money in that account, they suspended my account for no good reason, never told me about it and are ignoring my requests to lift the suspension to gain access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint:
In XXXX of XXXX, I paid a wedding videographer in full. He told me that if I paid in full, I would get a discount. He sent me an email and link to make my payment of {$1600.00} with my debit card. Shortly when the Covid hit in XXXX of XXXX, I attempted to reach out to this vendor who then beached our contract. By the name of XXXX XXXX XXXX XXXX. XXXX XXXX owner states his business is permanently closed due to bankruptcy. I have reached out more than several times to this vendor who has failed to refund me my money. I then reached out to Chase bank and filed a dispute for my debit charge in XXXX. They said it can take up to ten days to receive a response while they do a chargeback to the merchant. 

Chase bank did not notify me of the resolution and instead I called and found out that they closed the case because its 120 days past due and can no further assist me. They also told me it wouldnt be worth taking this case further such as an appeal. Chase bank said they would send me a letter in mail about my dispute resolution. I did not receive anything. 

I have called back a few times and I just get rerouted to no help. 

I want to take my case further and challenge a refund back from this merchant and I dont feel chase is helping me. All because of Covid, everything went down hill, but this money is owed back to us. 

I am not the only customer who is currently dealing with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY

Complaint:
XXXX XXXX XXXX & IN Moving ; I, Found a CD {$39000.00} with Well Fargo This is the XXXX XXXX XXXX Wells just refuses to Deal with this ___Who could Help me Prove or Disprove Value? _____? PLEASE < HELP <> THANK YOU IN ADVANCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Id XXXX ( XXXX ) - XXXX XXXX - My Direct Landline, Call XXXX XXXX XXXX XXXX XXXX E-Mail : XXXX Mom lived in XXXX, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) I went & Called Wells & They have NO Interest or Records? May a FDIC/ or Audit would HELP them I was born XXXX & Raised in XXXX  XXXX Moved XXXX As my Youngest Daughter Moved with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have someone with XXXX to XXXX  years Experience in Banking & C/Ds Please, Thank YOU, 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