hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.

Complaint:
Hi, in XX/XX/2017 I received a Quick Pay of {$400.00} by mistake on my Chase account. Days later Chase representatvies contact me to authorize the return of the funds to the original person.
After 5 minutes, i did authorize it however on XX/XX/2017 Chase withdraw twice the amount ( {$800.00} ) from my account. After I notice it I call them twice, after +1hr on each of these calls they have n't be able to return {$400.00} that were withdraw by mistake from my account.
I do n't know what 's going on, but I ca n't believe that it took me 5 minutes to authorize the return of the funds, and is been days trying to get the mistaken withdrawn funds to my account.
I do n't know what else to do, i open a customer service request, talk with different people and is been a waste of my time. The bank should be responsible and return the funds and then figure out where the money went. My name is XXXX XXXX thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc

Complaint:
My medical insurance reversed a bunch of payments saying that I had other health insurance which wasn't the case. I notified XXXX, the original creditor what had happened and they were supposed to resubmit the claim to tricare for processing. They never did, even though I called XXXX XXXX billing department on 12 different occasions. Recently XXXX turned over the debt to Medicredit for collection. Rather than contacting me about the debt to be disputed they went and placed it on my credit report. 

I contacted medicredit to dispute the claim and they sent me back a letter saying that I was wrong and the debt was write which is a failure to validate the debt.

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 2021-12-09
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:
Creditor has been adding inaccurate information on my credit report .I sent letters to all three credit bureaus and they did not verify according to the fair credit reporting act section 609 ( a ) ( 1 ) ( a ) that is required by law to verify. They failed to verify. This account must be deleted off my credit reports within 30 days 611 ( a ) 15 usc 1681j ( a ) ( 1 ). Im also requesting that they send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Credit Management, Inc

Complaint:
Professional credit management is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX  is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK

Complaint:
This phone number called 13 times today alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL

Complaint:
On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on XXXX XXXX, Account number:XXXX. I disputed again with XXXX on XX/XX/2018. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.

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 2020-12-07
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:
Someone used my identity to gain an apartment in my name in a state i do not live in the other credit bureaus have been very helpful in helping me with the matter but Equifax has caused me more headaches and pain they removed the fraudulent account and placed it back on my credit. If this issue is not resolved i will file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc.

Complaint:
As of XX/XX/2021 I have filed a complaint with GM Financial case number XXXX ( XXXX ) about a fraudulent contract that was received and accepted by XXXX XXXX XXXX XXXX XXXX This puts me and GM Financial in a litigation process. Since then GM Financial has repossessed my vehicle violating me under the FDCPA 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure. 
FROM THE CODE I HAVE PROVIDED YOU CAN CLEARLY SEE THAT EVEN IF I DONT PAY THE DEBT THEY ARE NOT ALLOWED TO REPOSSESS MY PROPERTY. They have hired an uninterested 3rd party by the name of XXXX XXXX XXXX to repo my vehicle while in litigation. I need this information for the purpose of using exhibits while in court with GM. I also need this exhibit to help with amending XXXX XXXX XXXX  to the case I asked them to provide me with the order for the repo all they gave me was the name of the Lien Holder which is GM. I have provided a Lien search Certificate from the Secretary of State of California and as you can see there is no Lien in my name. GM Financial and XXXX XXXX XXXX is committing fraud here. This isnt a duplicate complaint this is more information provided for the CFPB that the crime was in fact committed. I am demanding a response from GM on why they have repossessed my vehicle if federal states even if I dont pay they are not allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc.

Complaint:
On XX/XX/XXXX I submitted my complaint to remove items from my credit report on all three Experian, XXXX, and XXXX Credit Bureaus which have incorrect and fraudulent information on there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint:
I file a written and verbal dispute with both   XXXX   and Equifax several times throughout a year to investigate, update or remove from credit report regarding inaccurat e " Tax Lien '' repo rted on my credit report.     Both credit agency   XXXX   and Equifax has stated they have completed an investigation and reported the G A State Tax Lien is reported " Released Lien. '' As stated I submitted a letter of dispute based on inaccurate inf ormation on the both reports.     The dates the report was filed on :  XXXX   XXXX ,  2017  to Equifax file #  XXXX  - GA Departmen t of Revenue Tax Lien File :  #  XXXX  {$980.00} and #  XXXX  {$1700.00}  XXXX   XXXX ,  2017  to  XXXX  file #  XXXX  - GA Departmen t of Revenue Tax Lien File :  #  XXXX  {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
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:
INCORRECT PRIMARY NAME AND ALIAS NAMES AND WRONG ADDRESS AND TOO MANY PREVIOUS ADRESSES THAT I NEVER LIVED AT SEE XXXX XXXX FOR FULL EXPLANATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: First Data Corporation

Complaint:
Hi, on XX/XX/18 I wrote a check at my local XXXX for {$45.00}. They said the ck. did not go through ETF so asked me to sign it so they could keep it and run it. I did this and told them to be sure they don't put it through twice on me. That is exactly what happened. On XX/XX/2018 and XX/XX/2018, XXXX ran the exact same check twice. Once ETF and once manually. When this came to my atten. on my back stmt. at the end of the month, I contacted my credit union and they investigated and it was a duplicate debit to my acct. and credited the {$45.00} back to me. XXXX was paid, and the MGR. XXXX, at XXXX, XXXX, Idaho stated we didn't owe them anything. In any event. Telecheck  has put a # 3/high risk code on my checking acct. and it is impossible to now cash checks in the small town I have lived and done business in for 17 years. In the 66 years I have lived, I have NEVER written a bad check. I am now holding up lines and constantly embarrassed anywhere the Telecheck  service is used. I have called them 3 times and talk to people who can barely speak English. I also sent in all my paperwork to an address in XXXX, MD. on XX/XX/18. Please help me get this off my acct. it is making a senior citizens life miserable. Changing the checking acct. won't help either from the other complaints I am reading regarding this Telecheck  company. XXXX is no help in removing this, they don't care about their customers. My husband wants to file a lawsuit which I would really rather not go there. Thank you for listening. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
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:
On Today, I decided to look at my updated credit report and noticed that they were 4 hard inquiries that I never authorized or have knowledge of. I ask that these inquiries be properly investigated and I also want to receive a copy of proof of how these inquiries were verified. I never gave these companies permission to view my credit report. I 'm also aware that according to my FCRA rights, inaccurate information is n't allowed to be on my credit report. I DEMAND that these inquiries are REMOVED immediately. The inquiries are : XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Product: Credit reporting 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:
I have reach out via mail, and phone to all three of the credit reporting companies Transunion, XXXX, XXXX, the creditors, and collection agencies companies many times to advise that my identity has been stolen and the accounts reporting on my credit report does not belong to me I didn't benefit nor authorized anyone to use my personal information to obtain any account in my name nor under my social security number. I request that the information on my credit profile be removed and updated correctly. I also requested my wet signature on all documentation that was collected with my authorization to obtain access to my credit profile and add inaccurate information. They have all failed to remove and update my credit report correctly even after being informed of the fair credit act. Please see attached documents.

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 2019-11-04
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 IS A SCOFFLAW REGARDING THE FCRA AND MANY OTHER LAWS OF THE USA.I AM SUING EQUIFAX IF THEY DO NOT PAY ME DAMAGES OF {$10000.00} WITHIN 5 DAYS OF RECEIPT OF MY DEMAND. 
DEPT OF ED LOAN, ACCT XXXX IS NOT MINE, YET EQUIFAX HAS VERIFIED IT MORE THAN 10 TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL

Complaint:
I had several retail credit cards issued by Synchrony Bank. Every credit card account in excellent standing and half of these accounts, if not more paid in full with no unpaid balances. On XX/XX/2020, Synchrony Bank closed ALL the accounts. When I called, they placed blame on XXXX and stated the agency contacted them and shared issues on my credit report. I contacted XXXX and they indicated that they do not report issues ( which I had no issues ) to credit issuers. I called Synchrony Bank back and all they continue to tell me was that I would receive letters in the mail explaining why! Well, two weeks later, I began receiving letters. Many the same explanation that I am a HIGH RISK of not being able to pay, even though I have shown excellent payment history! Other letters were complete inaccurate. Some stating account closed due inactivity. This information is completely false! I also received a letter for one of my accounts stating no activity over a 12 month period. Again, completely false information. The account for that particular letter was a new account not just barely opened 6 months. This type of business practice that Synchrony is doing to hundreds upon thousands of customers is wrong and they should be investigated! My credit over all is ruined because of synchrony bank. My credit score reflects my credit utilization is at MAX. I made many attempts to at least have my interest rate lowered and or completely removed since they closed my accounts AGAINST my will but still expecting to pay their high interest rates! In this current economy, people are struggling and yet this institution continues this in order to stay profitable. Something must be done!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
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:
XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.

Complaint:
I tried several times over the past year to pay this credit card bill online and it never went through. I called the company and paid the balance and they help the payment until it was past the de date. hey charged a {$41.00} late fee after the account was closed. The balance ballooned to over {$280.00} and they are ruining my credit. I found this out when trying to pre qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
transunion has had XXXX/ XXXX  reporting twice on my report, I only have 1 an this is same account one has to be removed, 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 2017-07-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch

Complaint:
Today X/XX/2017 at approximately XXXX XXXX I was called by what I was told was the " Bureau of collections of Maryland '' attempting to collect a debt from XXXX XXXX. They notified me that the call was being recorded. They stated that I owed around XXXX to XXXX XXXX and wanted to " update '' my information and get this amount taken care of. At this time I stated that I do not not have the funds available and since I am working right now I requested that they call me back later on in the day. She then asked " why did you answer the phone then if your at work? '' At this point I stated " because I have been being called and harassed regularly by this phone number for the past few days, and the calls ONLY come during my work hours '' at this time I stated again " can you please call me back later today I am at work '' she said " I 'll give you my information so you know exactly who your talking to and what amounts we are talking about '' I said " okay. '' Out of nowhere another RUDE and demanding voice comes on the phone demanding to know why I even answered my phone if I was at work, and I explained AGAIN that I was being harassed by this number. She told me they had called me yesterday X/XX/2017 and that I had answered and said " who is this '' and when I found out it was them I hung up. THIS WAS A LIE!!!! I have never spoken to this company prior to today, and if I had, why would I answer at work KNOWING it was them? Paying ANY debt to this company now concerns me because if they are willing to lie about something so trivial why would I trust them with money/ bank information and any debt resolution? She then stated that " I have no more time on this matter and if I do n't pay half right now they will just report it to the credit bureau. '' I again told her " No I will not being doing that today. '' Her reply was " Fine well just report this to your credit '' and then hung up on me. All I wanted was to not be harassed at work and instead got this rude phone call from a debt collection agency that refused to work with me, demanded money I do n't have, and offered no help in resolving this matter. I refuse to be harassed at work! I will be doing more research on the Fair Debt Collection Practices Act. No one deserves to receive harassing phone calls like this, especially not people who are trying their best to make ends meet for their family and fall short on a bill or two here and there.

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 2021-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC

Complaint:
i am a victim of the XXXX data breach which compromised my information and as a result they are reporting unvalidated information on my report that isnt mine. this account is currently in litigation

Company response to consumer: Closed with non-monetary relief
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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