hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.

Complaint:
I paid my Chase statement balance online on XX/XX/2021. I received an email on XX/XX/XXXX indicating I had a balance due. On XX/XX/2021 I called Chase at XXXX to inquire about the {$30.00} posted to my charge card. I was told the fee was interest from XX/XX/XXXX until the time I paid on XX/XX/2021. I asked how and why interest is charged after I paid the statement balance in full. XXXX apologized for the confusion and told me she was trying to credit my account for {$30.00}, but her request was declined. I asked to speak to a XXXX. I was transferred to XXXX XXXX and asked the same question and was told the same thing. I told him I paid off another Chase account and was not charged interest after I paid the full balance and he indicated I was charged interest and I called Chase and Chase reversed the fee. I asked if he could do the same this time and he said no because it was too much. He also said if I did not pay the fee, I would be sent to collections. 

I asked my attorney to send a letter disputing the charge and they sent a letter on XX/XX/2021. To date, I nor my XXXX  have heard back from Chase regarding the dispute letter. 

On XX/XX/XXXX. 2021, I received an email from Chase indicating my email address was changed. I did not request this change so I called Chase and learned my email address and mailing addresses were changed. Neither were requested by me. When I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was asked to enter my zip code and after several attempts, I learned the zip code on my file was for my attorney 's mailing address. When I was finally able to access my account, I saw messages from Chase indicating they have been trying to reach me and I needed to update my email address. The email address they had on file for me was XXXX. I was told to change it. 

None of the customer service representatives were able to tell me why Chase keeps changing my contact information or why Chase was trying to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.

Complaint:
Used debit card to pay for brother 's phone as Birthday present. Account debt is being targetted at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation

Complaint:
I sent a cease and desist letter to World Finance several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc.

Complaint:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2023-08-04
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:
Fraudulent accounts open with authorization. 

XXXX XXXX XXXX XXXX DATE OPENED XXXX BALANCE {$130.00} XXXX XXXX  XXXX XXXX DATE OPENED XXXX BALANCE {$430.00} XXXX XXXX  DATE OPENED XXXX BALANCE {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch

Complaint:
I had an unpaid balance of XXXX with XXXX XXXX for last electric bill owed at previous address XXXX XXXX XXXX XXXX XXXX, fl XXXX. I sold this property and relocated to another address, If notice was mailed, I never received notice of unpaid balance at new address in XXXX, fl. I was informed of balance from debt collection agency XXXX  XXXX XXXX at which I was given 10days to pay in full. I immediately paid off the XXXX balance once notified of this, however, Its now showing on my credit report as delinquent!! It has been paid off in full!! a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
I tried to contact all 3 credit bureaus on XXXX   XXXX   of 2020 to resolve inaccurate accounts on my credit report. As of today I have not received any response back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have attached a copy of my recent invoice of my capital one Visa Signature card. The first page has a total charge of {$7.00} for this billing cycle. The second page has an interest charge {$3.00}. That means ( $ XXXX {$3.00} ) {$4.00} is the charge for this billing period which was carried over from XXXX. 

What has happened? 

In XXXX, I disputed few charges and since the dispute was under investigation, I did not pay them. However, Capital one did not stop charging me interest. Disputes were resolved in my favor. Capital one did not update my account. Capital one continued charging me interest. I have written to few people at Capital One explaining the matter but ended up without any response or help. 
In XXXX, I have submitted a complaint to US Consumer Financial Protection Bureau ( CFPB ) Due to CFPBs interference, Capital One removed some interest, but not this {$4.00} which ended up in {$7.00} today. 

So, I am writing to you, to help me. I have tried to resolve it> I wrote to XXXX XXXX but no response. I tried to close the account, they did not respond. 
. 
I Have closed all other accounts with this improper business. I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.

Complaint:
I provided XXXX insurance at time of service on both accounts. After receiving multiple voicemails and letters I found out the facility never billed XXXX and disputed the charges with the collection agency. They failed to show my dispute with the credit bureau or to bill insurance now

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 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: River Ridge Financial Solutions, LLC

Complaint:
On XX/XX/2018 parents received a phone stated that there was a legal matter that needed to be discussed with me. My father took the number down and relayed the information on to me. I called the number. Got sent to a voicemail that didnt even state the businesses name. Did not leave a message a few minutes later I received a call back. I spoke with a XXXX XXXX. She varified the last 4 digits of my social. She was very aggressive, stated I owed {$900.00} on an old credit card debt of mine. Stated that she could offer a one time settlement offer of {$220.00}. I requested a legal notification letter be sent to me via mail ( knowing that legally they have to comply if theyre legitimate ). She argued with me stating that they arent a collection agency they are a mediation company that owns the debt. After a heated discussion and speaking over each other a women by the name of XXXX XXXX got on the phone and said she would email me a letter of debt owed and an agreement I needed to electronically sign and reply to. I received the email a half hour later. This is the first time I found out the companies name as I couldnt understand what they called it before. The number showed up as a FL number on my called ID yet the business shows its in GA. My  last name was spelled wrong. It said I owed {$900.00}, but now the settlement had changed to {$320.00}. It all seemed very fishy. I blocked the numbers and reported the email as spam. I also checked my credit report and am working with correct agency to get my old debt resolved. 

The phone number they left and called me on was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : OAG CHILD SU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have a checking account at Bank of America. I scheduled the payment of certain bills from my checking account in XXXX on XXXX separate dates, and made a XXXX transfer into those accounts from another Bank. The Bank of America application suggests that funds will be credited with 3 days ( not business days ) to your account and I scheduled bill payment in accordance with this expectation. On the day bills were paid, the transferee funds werent credited and my account ended up being overdrawn causing a two {$10.00} overdraft charges hitting my account. I had called Bank of America and explained to them the issue and asked why werent the funds I transferred via XXXX credited to facilitate payments of the bills. The response was as follows : We dont take responsibility for XXXX payments even though the service is offered on our platform. XXXX transactions usually post within 5 business days ( contradicts the 1-3 days stmt they have on the app ) and we will NOT reimburse you for the {$20.00} overdraft fee.

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 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
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 U.S.C 1681. 

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 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 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 2019-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.

Complaint:
I contacted the company they refused to validate the debt, or remove the item.

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 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint:
I contacted The XXXX XXXX about getting my annual consumer disclosure via US Postal Mail XXXX 

I identified myself with a copy of my US Passport and electric bill ( with current mailing address ). 

The Work Number/TALX claims I did not proof of address and/or it was illegible. 

This is baloney. 

Enclosed is a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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: Experian Information Solutions 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 this/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/202XXXX 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 2023-07-31
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:
Equifax CAN NOT be consistent. On XX/XX/XXXX, I checked my Vantage score 3.0 & it reflects my score went down XXXX points since XX/XX/XXXX. As of XX/XX/XXXX, my score was XXXX, now as of XX/XX/XXXX it is XXXX. See attached showing incorrect information with XXXX XXXX XXXX. For XXXX, Equifax shows I'm 120 days past due in XXXX. Account was closed ( at my request ) XX/XX/XXXX. Date of last payment XX/XX/XXXX. For XXXX, Equifax shows XXXX 60 days PD, XXXX  60 days PD, XXXX  90 days, XXXX 120 days. All other months for calendar year XXXX shows current. Also in the HISTORICAL section of Equifax XXXX AMT PAST DUE for XXXX XXXX XXXX, every month is blank. This is so frustrating when I check my credit report 2x 's a month, it is always different! I should only be 60days past due, NOT 120days! XXXX corrected their records now I'm filing this complaint on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK

Complaint:
I applied for the Discover Card to take advantage of a 15 month, 0 % balance transfer and low interest rate for purchases. My application was accepted. I was able to transfer balances from 3 other credit cards from 3 different companies. I started using the Discover card for purchases but started getting denied for transactions. Their fraud protection company reached out to me to inform me that I had to prove who I am, despite my personal bank account being associated to the card and automatic, monthly payments being made. I was told that I had to fill out a form that was sent to my personal email, fill it out and have it notarized. I had it notarized at the bank that was associate with the account and payments. I was informed that they called twice and the notary wasn't available so the form would not be accepted. They provided an option to use a proprietary application of theirs, were I could take photos of my drivers license. I used this several times and although the photos were clear, they would not accept them and told me I only had 2 attempts to use this method. They offered me the option to get the form notarized again, but I was traveling for business and could not get this completed withing the 4 days they required. I was then informed that my account would be closed. I argued the fact that they accepted my application, my bank accounts and other credit card accounts were tied to the account and that I used their methods to prove who I am and those were rejected by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: FIDELITY CAPITAL HOLDINGS, INC

Complaint:
In previous responses ( XXXX, XXXX, XXXX ), the company ( FIDELITY CREDITORS SVC ) did not provide me with the requested documents.

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

FIDELITY CREDITORS SVC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation