hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-01-09
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be removed from my file as soon as possible : 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 2023-07-10
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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Account Number : XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account in question is a charged-off account that has been reported by XXXX XXXX XXXX XXXX I am disputing this account based on violations of the Metro 2 credit guidelines. According to these guidelines, charges off account should be reported accurately and fairly, an ; d any inaccuracies or violations of these guidelines may result in the account being removed from my credit report.After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistent across Credit Bureaus 2. Remarks inconsistent across Credit Bureaus 3. Time Late inconsistent across Credit Bureaus 4. Month 's Reviewed inconsistent across Credit Bureaus 5. Payment history inconsistent across Credit Bureaus XXXX XXXX XXXX and requested that they remove the account, they refused to do so. I have also included a copy of my previous dispute letter for your reference.Based on these violations, I request that you remove this account from my credit report. Please investigate this matter and remove the account from my credit report if you find that it has been reported inaccurately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXXXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
On XX/XX/2020 I deposited 3 amounts, XXXX, XXXX, and XXXX. I had a positive balance in my account prior to making the deposits of XXXX as shown to me both on the web application for Citizens bank and the mobile application. I took screen shots of the mobile application. Two of the amounts were checks and did show on hold but appeared to credit my account on XX/XX/2020. I can show this in a screen shot as well. I had a positive ending balance on XX/XX/2020. I was charged overdraft fees on XX/XX/2020 of XXXX, 7 overdrafts at XXXX each. This caused my account to go negative and generated true overdraft transactions. I was then again charged overdraft fees for those transactions and then again today on the XXXX. At no time was my account negative where I was shown the reasoning for the overdrafts. It is deceptive practice fr Citizens Bank to have done this! I am now almost XXXX negative, XXXX that was caused by Citizens Bank and XXXX I do not have. I indicated to the that if they are seeing something different than I am on the front end application through the web or mobile then it is deceptive to the user, me. I want the charges reversed and the admittance of a mistake or a blatant misleading to the consumer. I understand if I was negative and charges went through that forced a negative balance but in this case it did not. And the overdraft charges are continuing to cause overdrafts. I called the Federal Trade Commission and they gave me your information. How can they do this to someone in this time with all that is going on? Did they think I wouldnt notice the positive balance in my checking account?? How can you cause someone to go XXXX negative??? 

I was part of a class action several years ago where Citizens did this type of thing to many people, it was determined as deceptive and many were awarded refunds. I received a refund of all the overdrafts for a period of time. 

I want the charges reversed. I did not cause this issue Citizens did, and charging me for something that was not an issue as far as I could see is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-03
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:
I want the information that is incorrect ( FTC report attached ) removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
When I saw my credit report it showed 7 or more inquires most of them I did not recognize or have done without my authorization or knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.

Complaint:
On XX/XX/XXXX, I received a call claiming I owed {$200.00} for a gym membership debt with XXXX XXXX in XXXX IL with an account number of XXXX. I live in XXXX Washington and have never had a gym membership with XXXX XXXX or ever been to XXXX, IL. On XX/XX/XXXX, I received a letter/bill demanding payment from First Credit Services in XXXX, IL. I called their number to let them know that I've never had this account. Their representative claimed the account was opened in XX/XX/XXXX. I XXXX  XXXX XXXX XXXX Illinois during the call, and that search revealed that the company went out of business in XX/XX/XXXX, more than 2 years before my supposed contract date. I believe I am a victim of either identity theft or the target of a scam by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint:
Chase Bank notified me that they were closing my account effective immediately. They closed my XXXX, XXXX, XXXX, and all my credit cards. 

They said they would mail me a check. They did not. Now they are holding onto all my funds in all my accounts because they said I had XXXX party deposits. I was not aware of anyone sending me funds that were not in my name. All I provided to my customers was my Routing number and Account Number. Now Chase is holding onto all my money in both accounts and they have not sent me any communication. The only way I know about this is because I was expecting checks and they neve came.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES

Complaint:
My loan servicer is MyGreatLakes. On XXXX XXXX, 2016, I spoke with a representative who advised me to apply for the repay program for my loans. During this call, he also represented to me that I would receive subsidized interest contributions through this plan. On XXXX XXXX, 2016, I submitted my application for repay. On XXXX XXXX, 2016, I called to follow up on my loan application and was informed that I did not apply for repay, was on a completely different plan, and that the information I was provided on the XXXX was inaccurate, as there is no subsidized interest contribution. When I asked what plan I was on, they were not able to identify the newly assigned plan. I was told I would receive a call back. I did not. On XXXX XXXX, 2016, I telephoned again to check on status. Still no one could identify the plan I was on or how much my monthly payments were to be. On XXXX XXXX, 2016, no one was still able to tell me the amount. As of today 's date, no one can tell me the plan and no one can tell what my next payment schedule will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
Back in XXXX  I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was XXXX XXXX XXXX XXXX. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all 3 of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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:
On XX/XX/2021, I purchased 2 XXXX  XXXX Consoles through XXXX  ( order # XXXX ) for a total of {$1100.00} - payment method was my Chase credit card on file with XXXX XXXX 
It wasnt until the delivery that we discovered the consoles were restored and not new as shown on XXXX. We immediately requested return authorization that we received from XXXX along with a shipping label. Per XXXX shipping instructions, we affixed their label that had the items being returned to XXXX, KY via XXXX ground ( tracking # XXXX ) - shipped back on XX/XX/2021. 
I received a message from XXXX on XX/XX/2021 that the items had been received. Ive been trying to get my money back ever since. 
I have close to 50 pages documenting conversations with both my credit card company and XXXX trying to resolve this matter and they both keep pointing fingers at each other while Im left still paying on this bill so my credit isnt affected. 
I filed a dispute with Chase who did no investigation even after I sent them the XXXX return slip. XXXX is now telling me that the seller never received the items back and will therefore not reimburse the purchase price. I bought and returned the items through XXXX per their written instructions. The fact that they didnt process the return to the seller is not my problem. 
I have been on the phone every few days with both XXXX and Chase since XX/XX/2021 and have been unable to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
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:
I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX Equifax and XXXX are reporting the following fraudulent accounts : 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 I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc

Complaint:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio, charged my Chime Bank card, {$520.00}, for unauthorized repair to my vehicle. I immediately contacted my bank Chime to stop the transaction, I had to waite 3 days then file a Merchant Despite for unauthorized work done to my vehicle. 
I COMPLETELY followed every step with all receipt, phone records and a copy of another Automobile shops papers of what was actually wrong with my vehicle. 
As of today XX/XX/2022 a Chime Despite Respenstive will not reopen my claim to reverse the transaction for Unauthorized Automobile Repair, that In the State of Ohio is a law that protects the consumer. Chime Bank will not acknowledge or follow the rules that are in place where Chimes account holder resides and where the Unauthorized Repair has taken place. 
Today XX/XX/2022 at about XXXX XXXX I spoke with Chimes Desput Respenstive asking to reopen my claim ( # XXXX ) again because I was standing my ground on this Transaction. And I have faithfully Disputed this claim with Chime Bank from day one .The Respenstive refused to let me reopen the Desput claim and when asked why Chime Bank was not following the laws where there consumer lives he resisted FCC Bank Rules. 
And I said exactly!!!! Every Bank, credit card company would stand behind there customer when a law has been broken in the consumers State of residence. 
I am at a complete loss over how a BANK can allow a Company to keep my money for a unauthorized repair when I submitted 150 % proof that I never told XXXX XXXX to do anything to my vehicle but informed me of what the problem is. Along with the Law In Ohio, on Automobile Repairs, and Chime said oh well like it was there {$520.00} dollars. WHAT GOOD IS A LAW THAT PROTECTS YOUR RIGHTS IF ANY COMPANY CAN IGNORE THE LAW. 
IF THE REPAIR SHOP WOULD OF TOLD ME IN ADVANCE WHAT WAS THE ISSUE WAS THIS WOULD NOT OF EVER BEEN A ISSUE WITH CHIME AND MY MONEY, BUT THE UNAUTHORIZED REPAIR WAS NOT EVEN WHAT WAS WRONG WITH MY VEHICLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I have been witch hunted by this company portfolio recovery XXXX XXXX And XXXX XXXX for 7 years now they are trying to sue me but I'm on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
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: EQUIFAX, INC.

Complaint:
Hello there is an open XXXX account for XXXX $ on my credit. I called XXXX and they say it was opened before I even turned XXXX. Its been in my credit since the day I turned XXXX XXXX XXXX. And this isnt something I wouldve or shouldve been able to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KBR INC DBA RASH CURTIS & ASSOCIATES

Complaint:
Rash AND Associates called my phone for a debt collection for my daughter XXXX. But they called my number XXXX. Please I have asked them to stop calling this number, but they continually call. Would it be possible to have them stop calling this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint:
I have sent multiple letters to all 3 credit bureaus regarding this INACCURATE information on my report. The company that they all told me that verified the bankruptcy sent me a letter stating that it is inaccurate and I even went to the court house to get a letter and it also states that they have no information. XXXX  is lying and violating my rights as a consumer.

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 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I have made several dispute about Portfolio Recovery Associates LLC with XXXX, XXXX, and XXXX on reporting inaccurate information on my consumer report. The consumer reporting agencies stated that they properly investigated my account with Portfolio Recovery Associates on these XXXX accounts. 

The first XXXX # XXXX for {$350.00}, last active date or to be removed on XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX, XXXX no data. 

Second acct # XXXX for {$640.00} Last active date or to be removed on XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX. 
I didn't give my consent to report on my consumer report to Portfolio Recovery Associates and didn't have validation of debt sent me as I requested a long time on XX/XX/XXXX. I did not receive notice and disclosure from Portfolio Recovery Associates until after I dispute the debt in XXXX. Received a threatening letter for judgement and disclosed my private information to third parties. 

Portfolio Recovery Associates LLC already have been ordered by CFPB but they continue to violated my rights. 

They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion from my consumer reports. See proof below.

Company response to consumer: Closed with explanation