hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX 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 2017-03-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Health Care Financial Services, Inc.

Complaint:
I received a notice via mail from debt collectors HRRG to pay a debt of medical service I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.

Complaint:
Navient has twice " misallocated '' my payment and automatically enrolled me in forbearance in an effort to raise my interest rate. I uploaded a copy of my bank account statement to the Navient website proving the payment had been made. Once I proved the payment, Navient claimed it was a " back office '' issue and a hold would be placed on my account for 10 business days to resolve the issue. I called back 10 business days later and the customer service rep claimed there was no record of me ever calling and placed another 10 business day hold on my account to solve the issue. 10 business days later the issue has not been resolved and I keep getting harassing calls from Navient despite the hold being placed on my account. I am writing this today because the CFPB has filed a lawsuit against Navient for the reasons I have described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC.

Complaint:
The morning of Friday XX/XX/XXXX, I received a notification I needed to verify my identity to keep my bank account open with XXXX. I had just gotten this bank account a couple months earlier, it was already verified, and working fine. I used it only for normal transactions like shipping in stores and online, and all my app/web subscriptions. 

The notification said I had until XX/XX/XXXX to verify my identity. It said when I start the process which should take less than 10 minutes, my account will not be accessible until I complete verification. I completed it the first time, where each step has no inputs to answer their questions. I tried again, and it allowed me to submit my drivers license. It got to the end and did not verify. I tried 2 more times and it still didnt work. I was locked out of my account. I couldnt access the Help Chat because I was locked out of the app and the website. 

The email that notified me of needing to submit new identity verification said I could reply directly to the email for help. I did so and got no reply. By nighttime I got an email telling me I was almost done applying to start an account with them, and apparently I no longer had an account with XXXX. They clearly deleted my account without any reason or warning or info. 

I checked online for all their Terms and I didnt break any of them. This is my ONLY bank account and Im in the middle of a huge business deal, this has been a really terrible experience and I found out tons of other people have had the same bad experiences with no help. From other complaints Ive read, anyone with this issue has had their money lost to XXXX and no explanation or customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.

Complaint:
1.I have never had an account with this company I C SYSTEM XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are I C SYSTEM the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2017-08-01
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: JPMORGAN CHASE & CO.

Complaint:
Purchase was made with XXXX XXXX which was not to suppose to charge my Chase Card nor Chase was suppose to charge me. This matter was well discussed and was going on months and months just to frustrate and not resolve by the facts and merits. I have a number of dispute with chase and they are very wrongful people they know it well as I know them well know, it is just out of way in the business due to the relation with these people. I will discuss in particulars of the matter when you get through and I I hear from you in particulars in written form that will be subject to discussion. Looking forward to hear in this respect. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.

Complaint:
Dear Sir/Madam, I deposited a check to my savings account XXXX. The check was returned due to insufficent fund and ally bank charged me {$7.00} for returned check. I understand this is not a bank error but ally bank customer care staff have been very rude and incompetent in handling my fee waiver request. Other banks will give a curtesy fee waiver for first instance. Ally bank provides far below standard customer service and I am filing a complaint about it. Ally bank needs to provide a fee waiver as other banks do.

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 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have had this credit card since XX/XX/2008and have never missed a payment. I asked to be signed up for the online banking account in XXXX and spoke with someone on the phone to set that up. At that time I updated my email address but did not intend to opt into " paperless billing '' as the way that I manage my accounts is via paper. 

I received an email the first week of XXXX telling me that my credit limit has been dropped from XXXX to XXXX due to non payment on my account. I was astounded as I always pay my bills. I called BoA and paid my account in full and told them I never received a notification in my email that there was a bill ( and I have searched my email account and I didn't ... wasn't even in spam ). I asked that my credit limit be restored because this was an oversight and I have an excellent payment history. They said they would not restore the credit limit. 

Today I discovered that my XXXX checking account was overdrawn because Bank of America took not only my minimum payment but also the full statement payment from my checking account ( although I had a XX/XX/XXXXBALANCE ). I called and asked what happened as I had NOT authorized this. They said I did authorize it online ( I am not that old, but it must have been something that they automatically opt me into vs. something I chose to opt into ). Now they say it will take up to five weeks for a refund. So BoA has about {$3000.00} of my money, they have reduced my revolving available credit by XXXX and are completely unwilling to do anything to expedite it or consider returning my credit limit to where it was. Not to mention ... if I HAD opted into the auto payment of my account in the past ... how could I possibly have had a late payment last month? None of this makes any sense. 

I want to close my account but I can't do that yet because they took payment in two sets and I have to request the refund of the second amount 8 days from now ( why 8? I have no idea ). And I have to be the one to request this ... they won't just automatically refund me money that is a credit AND I did not authorize they take. They also said they won't return my annual fee because I " used their benefits '' already ( I don't consider using their service a benefit ... anything but ) I just can't believe how badly this company treats its customers and gets away with 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 monetary relief
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX everywhere card by XXXX had denied me MY CREDIT by discriminating me that I am not credit-worthy due to judging my credit portfolio. 

XXXX XXXX platinum and gold denied me MY CREDIT by descriminating me that I am not credit-worthy due to judging my credit portfolio.

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 2018-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Services, Inc.

Complaint:
XXXX XXXX XXXX  XXXX XXXX  fund paid this bill and it has been verified. It should have never went to collections and I never got any notice it was in collections just showed up on my report one day. Please remove and update records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/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 2023-06-19
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: Experian Information Solutions Inc.

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2021-11-29
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
Ive been disputing this XXXX XXXX account with Experian for about a year now starting with date XX/XX/19 item was removed and deleted and placed back on my credit and the account number is XXXX amount showing before deletion was {$140.00} police report was sent also with report number XXXX for identity theft dispute report number XXXX XXXX XXXX refuses to send me information on why this continues to be reported and has not responded to my request for information.

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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I am requesting the removal of account XXXX XXXX XXXX  from my credit report. Please see the attached XXXX  release form as well as the cfpb response from XXXX stating that the account will be removed. Please note that all 3 bureaus are in violation of the FCRA because all data furnished is not accurate. All 3 bureaus report different agencies. I submitted a dispute time and time again about the inaccurate information on my credit report. This has caused me much stress and many lost opportunities due to your negligence and violation of the consumer protection laws. Remove the aforementioned account immediately from my credit report.

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 2018-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY

Complaint:
XX/XX/XXXX - Contacted by phone - Contacted them about fraudulent account opened in my name. 
XX/XX/XXXX - Sent Letter - Dispute Letter and XXXX Fraud Questionnaire this included Police Report and FTC Report XX/XX/XXXX - Received bill from XXXX - Called the number given on the bill - I disputed the account and stated that I had been a victim of identity theft. The person on the phone stated that this account is my liability researched by XXXX the investigator. I asked for badge and/or last name of XXXX was denied. I asked the man on the phone for his name and he refused and then hung on me because my spouse was listening, Disconnected without giving me the name @ XXXX XXXX 
XX/XX/XXXX - Sent Letter - Sent FTC Report, Proof of Identity, and FTC Documents to dispute bill. 
XX/XX/XXXX - Received another bill. Called by phone to inform them that they were not supposed to be continuing collections protections.Called and talked to XXXX who tried transferring me to XXXX. XXXX phone was busy. I gave XXXX my cell phone and asked him to have XXXX give me a call. No one called. 
XX/XX/XXXX - Received a collection notice. Called and spoke with XXXX who transferred me to XXXX in Fraud who is  reviewing my bills.If anything is needed, XXXX is going to call or email me. Gave my email to XXXX who states she is going to talk to him in detail and try to get this cleared up. No response. 
XX/XX/XXXX - Received credit update by Identity guard who informed me that the XXXX Bill was still on my credit report ( XXXX Only ). 

The charges have gone from {$3500.00} to well over {$4800.00} even when they knew this was fraud and others on the line knew they had received all of the documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. I told all bureaus this many times and it 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 of the person knows or has reasonable cause to believe that the information is inaccurate. I asked many times for someone to help assist and they are saying that a credit clinic is sending in docs because it's tooooooo professional! Im highly upset because its only on this bureau I need this blocked and 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 non-monetary relief
Consumer complaint received 2022-12-02
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: ERC

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. 

XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2022-10-12
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and 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 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