hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2016-10-23
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
So-called Creditor is in direct violation of FDCPA, FCRA and has not supplied 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
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
The credit bureaus stated that they will start removing XXXX XXXX of XXXX XXXX. As a gesture of goodwill, I am pleading with Experian to remove this account from my credit.

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 2023-05-08
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.

Complaint:
These accounts are hurting my reports. 
Please see attachments

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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.

Complaint:
I tried to defer my payments while I was in school, but they said that they would not defer on XX/XX/2020. I am trying to buy a house and it is defamation to my character and livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
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:
Accounts XXXX XXXX XXXX  and XXXX XXXX do not belong to me these accounts are fraud and are harming my credit report, score and character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/2023 at about XXXX XXXX. I went to JP Morgan Chase located at XXXX XXXX XXXX, XXXX XXXX  XXXX after getting no explanation of what had occurred to my daughters savings account. I spent 3 hours on the phone with customer service representatives at XXXX and XXXX. I wasn't told who had deposited the false checks, where, or when it actually occurred. I was told that I had to physically go into my local branch and make a deposit of {$100.00} or more. Upon, arriving at the bank and speaking to the cashier ( XXXX XXXX XXXX who couldn't explain to me what happened to the balance of {$620.00} that was in my daughters account I explained to her that I spoke with people at the listed above phone numbers and was told to deposit {$100.00} to remove the restriction from my daughters savings account. I made a deposit of {$200.00}. The cashier couldn't explain to me what had happened on the account and started to get loud and then proceeded to blame my daughter for making the fraudulent deposits in the amounts of {$500.00}, {$200.00}, and {$290.00}. When I asked to speak to someone else she stated " no, there is no one else that I could talk to ''. Realizing I wasn't going to get anywhere with the angry cashier I decided to return home and and call the numbers again. After getting someone on the line I was told that Chase was discontinuing their relationship with my daughter and they terminated her account. When I asked why were they terminating their account I was told that " my daughter phoned the bank at XXXX XXXX  on XX/XX/XXXX and stated that she was involved in a money scheme ''. When I asked how could you verify my daughters voice and to let me hear the call my phone call was then terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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: Santander Consumer USA Holdings Inc.

Complaint:
I have tried multiple times to resolve errors in reporting. Chrysler Capital has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with Chrysler Capital I have disagreed with their findings and have requested with support documentation that XXXX, XXXX and XXXX correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, XXXX, XXXX and Chrysler Capital my last request was mailed 45+ days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the accounts XXXX XXXX XXXX  I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.

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 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
There is a bankruptcy eventhougt the name, lastname and birthday match the social security and the state I have live since XXXX until today XX/XX/XXXX does not match. 
I found out when I tried to get a loan for a home and they asked me about it, it sorprise me when they ask how long I have lived in XXXX XXXX, I have never live there, I have always received calls about student loans and other debts but I thoug it was fraudulent calls since by that time I didn't own a single credit card, my first Credit card was issued on XXXX before that I used to pay everything cash.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
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:
Hello, This account is being reported by XXXX XXXX XXXX XXXX from XXXX XXXX. I did not choose Auto-renew on this account and did not receive services for my pet that were not paid for. My pet has not been to any of their facilities for well over a year as I called in and cancelled the services. I have made several calls to speak with a supervisor and get this resolved and I've been told by phone Rep XXXX XXXX Employee # XXXX ) that I would get a call from a supervisor, and I have not received any responses. This is causing me great harm with my credit score having dropped significantly. I did not receive anything from anyone prior to me getting a notice that my score had dropped and then me seeing it on the 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 non-monetary relief
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC

Complaint:
Credit Karma has not updated my XXXX credit score since XX/XX/2023. 

I have had many accounts deleted or paid in full, as well as credit card balances paid down and need my score to update so I know where my credit health stands as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX  XXXX  Original creditor XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-12-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL

Complaint:
In the past several years, PayPal , Inc and Pay Pal Credit have become a company which is more about making money and protecting merchants than the consumer. Resolution of cases is limited in description and communication, and most cases are found in favor of the merchant. 
Unethical, deceptive marketing and foreign often XXXX companies are not held accountable for any unethical actions including poor refund policies, and PayPal enables this. 
When PayPal Credit posts charges to promotions and making adjustments, correctly, just as often there are multiple charges where the consumer pays 2-3x the original charges bc items are posted more than once. 
When trying to get resolution either by phone, the ridiculous chat/messaging which literally is delayed due to different time zones in other countries and the consumer never speaks directly with a PayPal customer service rep. I believe the customer service reps are encourage not to handle any consumer complaints. 
A new twist on capturing more money and creating problems for its consumers, PayPal will automatically remove money from a balance versus posting to PayPal credit. I posted a payment of funds that was sent to my account for the contribution for a gift. I transferred this immediately. However overnight seemingly, a purchase I had made through XXXX with a subscription that I opened in XXXX ( no way to track subscriptions ) apparently allows this. I never experienced this before now. So that means I have to attempt to reach after funds into the PayPal balance which will take 3-5 days, and fees will likely occur. What Id like to know is how can PayPal interrupt and change my balance which was already going into my PayPal credit as a payment, without my permission? No notification of this change, only that suddenly I only have {$38.00} in my PayPal balance and a {$100.00} payment in transit to my PayPal credit. When I called customer service the credit aide cant see the PayPal side to tell me what happened. I had to wait 18 hours to read an email response of a chat message which was the message that PayPal interrupted my payment bc of this subscription. 
This company has oversight by the FDIC and I would hate to think any bank is allowed to function like this or other credit card company. Why are they allowed to function in this manner? 
Ive asked for an audit of my account several times without success. I want an audit of all promotions, interest accrued, promotional balances and payments from XXXX until now. I also want the XXXX companies who either didnt deliver items in a timely manner, sent shoddy quality items and ignored my request to ship an order that I cancelled. PayPal rules in the favor of the merchant every time!

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 2021-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.

Complaint:
My complaint is about the final bill from XXXX XXXX. XXXX did not provide the service that I was charged for and the claim should be removed 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 2020-11-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I submitted several disputes concerning my credit.. The bureaus not complying or following with the law.. They have not gave me my results or investigation results.. I have sent out letters in the concern of my credit issues.. They have not as of yet resolved my matters at hand.. I will like help in getting the matters of credit concern deleted immediately do to the fact that they have not complied or show proof of my investigations..

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 2022-11-17
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:
my name is XXXX XXXX my daughter name is XXXX XXXX we had the same name into i was married my daughter have accounts that are on my credit file I asked the credit bureau to block these account and a investigation to be done these bureau refuse to do a investigation. I am a victim of identity theft and new account are still inserted on my credit file I haven't applied for a new account in three years but i still have new inquiries as well as new accounts please STOP this and hold these credit reporting agencies accountable.

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 2017-03-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint:
This is a complaint from XXXX against HSBC for HSBC 's failure to provide requested information for the debt alleged. As of XX/XX/2017, HSBC has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To somebody who can help me. I am very upset about the erroneos things I see on my cradit report. These accounts are unverifiable, invalid, inaccurate and questionable. If all information reported on my report is not 100 % accurate, it must be removed. I hope you can find out what's going on and locate who the inaccurate information belongs to. Can you expedite this quicly? It is my to understanding, that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of the receipt of this letter. According to the law unverifiable, innaccurate, accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help with this matter. 

1. Billing error XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 




Sincerely,

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 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY

Complaint:
I hate to bother you for something so small but I have tried everything from calling to emailing to complaining but Wells Fargo refuses to fix the UNFAIR redemption policy.
<P/>
THE UNFAIR PRACTICE : It is VERY UNFAIR that you can ONLY REDEEM in {$25.00} increments.
No other credit card, that I know, has such a condition.
It is inherently UNFAIR because it always will leave customer SHORT.
If the customer has over {$25.00} or under {$25.00} rewards balance, the customer will always be short and never able to redeem the FULL amount that customer has RIGHTFULLY earned.
It is virtually impossible for the customer to get exact {$25.00} redemption amount, because redemption amounts are calculated at various different levels of 1-3 % of purchase.

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 2023-03-21
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:
In XXXX of 2018 a bill I had with XXXX XXXX XXXX was fully and completely dismissed ( I have the record confirming this ). Despite this, a collection agency began trying to collect on this bill later in 2018. 

Earlier this month I disputed the delinquent account with Experian. They updated my credit report, but instead of showing 'paid in full ' they updated it to say it was 'impacted by a natural disaster XXXX '. This was before XXXX. The bill was fully discharged. This is fraudulent. I am a XXXX veteran and they are trying to collect on a paid bill. Experian is complicit for not removing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation