hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems

Complaint:
For the 2nd time this year MIDWEST RECOVERY SYSTEMS is posting information on credit profiles that they have not validated nor had communications with my person before posting such updates. The company has in prior posted on my account and has faild to validate debt and was forced to remove the record : On XX/XX/XXXXMIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Credit Posting on XXXX   and XXXX  as Collections with out validation Dear, CFPB. I received information from XXXX and XXXX  that a company listed as MIDWEST RECOVERY SYSTEMS has placed negative information on my credit profile and is attempting to collect the listed alleged debt. 

Please advised MIDWEST RECOVERY SYSTEMS, that I dispute the validity of the alleged debt in its entirety. 

Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. 

The original creditor is listed as Original creditor : 12 XXXX XXXX  XXXX for which I have no knowledge of any account. 

I affirm that MIDWEST RECOVERY SYSTEMS is illegally attempting to collect an alleged debt and money that I do not owe. MIDWEST RECOVERY SYSTEMS has not allowed the consumer to validate the debt by providing a debt validate letter by law, and giving the consumer up to 30 days to review the claim and respond. 

As per the law, MIDWEST RECOVERY SYSTEMS shall cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. 

This letter is being provided to the Consumer Financial Protection Bureau ( CFPB ) for full review of this illegal act of posting to my credit profile. 

The CFPB is authorized to investigate this matter and receive related information. If MIDWEST RECOVERY SYSTEMS fails to remove the entries does not comply with this letter, I may turn the matter over to an attorney. Sincerely, XXXX XXXX Credit posting shows as follow 's Midwest Recovery Systems Opened XX/XX/XXXX {$470.00} Ori Original creditor : 12 XXXX XXXX  XXXX XXXX  Balance {$440.00} Highest Balance {$470.00} Opened Unknown Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 12 XXXX XXXX XXXX  XXXX   Creditor Information MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX See History from this Company : See complaint : XXXX-XXXX  SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.

Complaint:
Although this complaint is related to a previous CFPB complaint, new issues have been raised, and due to the class action level of abuse that collection on this alleged debt represents, I feel that a separate complaint is warranted for the public benefit. This account was disputed from the start, as fraudulent. Chase sold a fraudulent debt to a debt collector, who obtained a judgement without even validating the alleged debt. I have no documentation that proves that I even incurred the debt using an account that I had closed, and was no longer using. At the time, we were in the midst of a refinance, and I panicked and agreed to a payment plan, paying at least three times the original alleged amount owed, because Chase took the past due amount from an amount variously reported as {$350.00} or {$520.00} or {$600.00} ( yes, really ), to their charge-off amount of {$1700.00}. Interestingly, now that I have the time to investigate, I 've discovered that I am not alone in being victimized by these violations of debt collection practice by Chase ... XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC

Complaint:
We make a payment since a week, they told us they will send us a receipt for the payment and that never happens. 
We call 3-4 times a day every day and they continue telling us the same thing. 
Were trying to buy a house but because of this, that they dont give us the receipt or remove the account from collection Were literally in the streets with our XXXX little XXXX. 
Because of this company Credence Resource Management , LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
The Student Loan Company XXXX XXXX/XXXX XXXX XXXX XXXX is  reporting payments late for the time period of XX/XX/XXXX - XXXX but I had been approved for deferment during that time period by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
A different address was added Also a personal loan has reported delinquent XXXX  times Ive paid them in small payments but they are still reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
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:
A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked Experian and XXXX for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within 15 business days after requesting it and this shall be considered null and void. Kindly comply, step up CFPB and remove 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 2022-10-20
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: Experian Information Solutions Inc.

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX 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 an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL

Complaint:
Synchrony Bank ( operating as JC Penney Credit Services ) reduced my credit limit by 62 % for a payment not made within 8 days of statement. I could understand if they did this after 30 days, but it's been 8 days... EIGHT days. This is a breach of the contract I signed with this company. Their " Account Manager '' on a recorded call refused to explain why, giving lip service such as " your 8 day late payment prompted a a review of your account ''. I've had credit for 15 years - NEVER ONCE has a company ever committed such blatant disservice to a LOYAL PAYING CUSTOMER. I could also understand if I had " bad payment history '' but I do not. Going far back as when I opened the account initially a few years ago, I always have made my payments each month. From time to time I may have had to pay a couple weeks late waiting for a paycheck to hit my bank, but have ALWAYS accepted and paid the late fee without question. Never has my account ever with this company gone 30 days past due. 

To treat a customer in good standing like this, and then to give some lip service about the decision being made to reduce it based on other factors when I have NOT applied for new credit with them, nor have I requested a credit line increase is blatant BAD BUSINESS PRACTICE. This company should be ashamed, and frankly this treads into legal waters which they have clearly not taken into 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 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.

Complaint:
I have received almost daily calls from XXXX since XXXX/XXXX/15. Each time I answer, there is silence on the other end of the line. I received calls from this phone number on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XX/XX/XXXX, XX/XX/XXXX ( a federal holiday ) at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. 

I looked up the number online and it looks like it might be from Southwest Credit Systems ( a collections agency ) although I have no confirmation of this since no one speaks when I answer the phone. I have never communicated with this agency and just checked all of my accounts and credit reports and nothing is showing overdue or suspicious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/XXXX I deposited my Pandemic Unemployment check via mobile app to bank of america totalling XXXX. No more than 10 minutes later, my account was closed and the funds put on hold. I called them, they told me it would be released today XX/XX/XXXX pending they confirm the check is valid and cashable. They check is drawn on a Bank of America account, here in Arizona so there is no reason it should take that long. After waiting until the XXXX as instructed, I was informed it is still on hold with no date for release. I have not been able to access any of these funds to date.

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 2016-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL

Complaint:
I keep getting calls that start at XXXX n do n't stop till XXXX for someone else 's debt for QVC. I 've told them countless times they have the wrong number but they Still call me 10 to 15 times a day 7 days a week even on Sundays!! I 've put their numbers on a block list in my phone but they STILL call with a different number. I have XXXX different numbers for them on my blocked list already. They fill my voicemail box up everyday n I miss Extremely Important voicemails because of them. I 'm sick of it! Please please help me thank u My name is XXXX XXXX my email is XXXXXXXXXXXX

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 2021-04-08
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: Experian Information Solutions Inc.

Complaint:
On XX/XX/2021 I reached out to all three credit companies asking them to verify 2 accounts that I had listed on my credit report and they have yet to get back to me and it's been over 30 days. I sent my corresponded my mail and gave them more then another time to receive my letter and respond back.

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 2023-04-08
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:
Acct closed date : XX/XX/XXXX Written off in filed for payoff on taxes tax year XXXX. Company has confirmed this debt has been paid in written off. Numerous attempts to remove negative impact in nothing has been done.

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 2023-07-25
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: Experian Information Solutions 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 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 2017-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION

Complaint:
I am a legal foreign resident in Texas that opened an checking account with  BBVA Compass i  n 2014,   yesterday without a reason or explanation the bank block my account and requested the bank to close completely my account without providing any reason. I have paid all my products in due time and handled the account in a proper manner. I see this bank is either acting with discrimination to the customers and providing a really bad service and does not provide any reasons and close the products.   My account cancelled wit h BBVA Compass  was  XXXX  in  XXXX   XXXX  Texas, hope you can help because they might be doing this to other customers, a disgrace for the financial system in this country, they did not wanted to provide a written explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.

Complaint:
Ive been with citibank since XX/XX/XXXX and renew the account because citi was not able to fix my issue from XX/XX/XXXX to XX/XX/XXXX for the files of their server being corrupted. In XX/XX/XXXX i kept getting these checking fees {$30.00} and other random fees just to have standard checking account. I was qualify for the citigold. And they state i qoute {$50000.00} was the minimum requirement to keep this checking account free of charge in one year span. If the minimum has not met before the year to date, they will cancel the gold and put me back to priority stage. My experience in citi gold is that why would you change the minimum {$100000.00} with out consulting with me when they know i dont even make that amount in a yearly salary during applacation process. The minimum was changed during the middle of the program without notice. Thats not even in their contract mentioned that the minimum may vary or anything about changing the minimum without notice. I thinks thats unfair for people whos trying to save money and have life and family.

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 2022-09-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit

Complaint:
XXXX was repossessed in XXXX XXXX, sold on XX/XX/2018, I also had GAP insurance thru VW credit XXXX I was never given documentation of the XX/XX/2018 sale, the gap insurance payment that i never received, the loan was also sold to a collection agency without my knowledge, and the damage on the right rear passenger door was also never reported to XXXX, and since has been sold two other times. when the car was repossessed it was holding family valuables which were never returned to me and stolen from me, including my sons car seat. the historical and balance and mostly, showing a past due balance on a charged off, sold a month after repossession, gap insurance payment i never received or is reflected and not reporting damage the sale of the vehicle or the third party collection agency. i am requesting all documentation from VW credit, sale of jetta and price to the auction company, price sold to a debt collection agency, GAP insurance policy and original signed loan and pictures and documents from pickup by the company that picked the car up from repossession date, list of items in the interior and trunck of jetta that was never returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have made a claim regarding a disputed transaction. 

The entire process so far has been mired with ADA ( Americans with Disability Act ) discrimination and discrimination based on religion & national origin. 

This is how Bank of America is choosing to drive away a " Platinum Tier '' customer over a {$45.00} credit card dispute. 

This is how the ordeal started.. 
On XX/XX/19 I attempted to buy an online membership for the AAC. The website form crashed as a pressed " Submit ''. The AAC has no record of the transaction but my card was still billed. This is why the Fair Credit Billing Act ( FCBA ) exists. 

After filing an online dispute, I revived a letter that has the wrong account number - I do not have an account with that number and worse of all it has a name that i worked with bank of america multiple times to change. 
I had previously submitted a CFPB complaint and worked with the bank to change my name as they " refused '' to use, y XXXX/XXXX   name, only after complaining to the CFPB for discrimination based on religion/national origin did Bank of America was willing to change it. 
And guess what? for some reason the correspondence that carried the account number I don't have used the number that took multiple attempts to change. Is Bank of America antisemitic? 

When I complained about how this process is being handled, the person that was assigned to this case had an unclear accent and I could barely communicated with her. Due to hearing loss ( military service related - long term exposure to explosions and gunfire ) I asked that this case would be moved or escalated to somebody else and was refused - in clear violation of the ADA. Despite multiple requests, that case has not moved to a different agent. 
That rude, person at BofA was " XXXX '' at XXXXXXXX   Extension XXXX. 

How bad can a bank treat a customer?

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 2023-03-29
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/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 explanation