hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-19
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: Paypal Holdings, Inc

Complaint:
On XX/XX/XXXX, my Paypal account ( XXXX ) shows there is one transaction charge : {$79.00} I dont recongize. I went ahead and disputed this charge. The dispute was denied right away by Paypal using the reason that this is a recurring charge since last year so it is not an unauthorized charge. I initially reported this charge as unauthorized because it occurred without my knowledge or consent. I contacted Paypal and mentioned that I just realized that I have been charged this amount two consective years since XX/XX/XXXX and argued that unauthorized charged means an non-consented charge even it was charged twice, it doesnt necessarily mean it is authorized. I later learned that Paypal categorized it as an " Item Not Received '' dispute, and subsequently ruled in favor of the merchant, XXXX XXXX, without providing any specific evidence or rationale for the decision, but just said Paypal has reviewed the info provided by the seller. I am deeply concerned about the fairness and transparency of this decision. The charge in question was presented to me as a recurring charge that I had no record of authorizing. In my initial dispute, I provided a clear explanation of why I believed the charge was unauthorized, and I expected a fair assessment of the evidence. Instead, the reasons for my dispute were altered without my consent, and the case was decided against me without any transparent explanation. 

I am particularly troubled by the fact that when I inquired about the nature of the services provided by XXXX XXXX for which I was charged, I was informed by PayPal that I should contact XXXX XXXX directly to find out, as PayPal does not have this information. This response was both unhelpful and unacceptable. It is reasonable to expect that PayPal, as the mediator in this dispute, would provide me with sufficient information to understand the basis for the decision. When I provided my Paypal email and charged credit card info on the merchant XXXX XXXX website, it came back with no order related with info provided ( please see attached screen shot ). 

The fairness and integrity of the dispute resolution process are paramount. I would like CFPB help to re-evaluate my case in light of the concerns I have raised and the absence of clear evidence to support the charge. I hope that PayPal will prioritize transparency and fairness in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC

Complaint:
on XX/XX/2023 I received a called from Radius Global Solutions stating that there is an attempt to collect a debt from a company called XXXX XXXX I have never done any type of business with this company XXXX XXXX  nor did I even know of its existence until I received this call. I told the person on the call that I have no clue what that company is and I needed the calls to stop. The person on the call hung up in my face immediately without saying a word. Hours later I received several calls from the same number but every time I would answer no one would say anything. I have been a victim of identity theft several times in the last few years and this is just another case of it. I have never done any business with XXXX XXXX  I have never had an account with them and I do not owe them any money. Any account made with XXXX XXXX  was made by someone who stole my identity and I did not authorize anyone to do any type of business with this company under my name or personal information. I have attached an FTC report stating the same thing.

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 2022-11-18
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: U.S. BANCORP

Complaint:
At time of contract I provided my credit card information to XXXX - Today. The work was not XXXX like, had severe deficits, such as extemen lippage and poor grouting. With out my knowledge the merchant submitted my bill for payment to Elan Financial Services. I contacted Elan, DBA : Fidelity Credit Card Services, and explained that the wor of tile installation was unsatisfactory and the signature and data contained on a Walkthrough Inspection was not mine. 
I was asked to provide competent evidence that the work was sub-standard and an extimate to correct the deficiencies. 
Indivudual tile inspectors are oin short scupply and the demand for inspections by subject matter experts is high. Factoring in the nation general labor shortage, it took over two + months to secure an assessment if defects by a board certified tile inspector and a competent contractor 's estimate to correct the defective installation. 
But although I was fully in compliance with the Fair Credit Billing Act ( FCBA ), my claim to deny payment to the merchant was denied. It was alleged that Elan Protocols on timeliness trump FCBA. As by Elan 's timeliness standards I was late and nothing could be done to approve my dispute

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 2019-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY

Complaint:
The complaint that Wells Fargo closed on XX/XX/XXXX as being duplicate is actually a new complaint. As a follow-up to complaint # XXXX, Wells Fargo mandated closure of our personal checking account ending in XXXX and opened a new personal checking account ending in # XXXX. This account was opened two weeks before this event ( payment of a counterfeit check ). We had not written any checks on the # XXXX account nor had we shared the account number with anyone. A counterfeit check was negotiated by Wells Fargo that overdrew the account. The check was an OBVIOUS FRAUD, yet Wells Fargo paid on it -- causing the account to be overdrawn. 

I expect Wells Fargo to provide written answers to the following questions : 1. The XXXX ( counterfeit ) check was written on a Wells Fargo Commercial ( misspelled " Commerical ' ) Disbursement Account, our account is a personal checking account. Why was the check negotiated? 

2. The name printed on the check is XXXX XXXX XXXX in XXXX, FL. This is not the information printed on our checks. Why was the check negotiated? 

3. The check number is XXXX. Our account had just been opened and the checks issued started with # XXXX, Why was the check negotiated? 

4. The signature is neither mine nor my wife 's, nor was there an attempt to mimic either of our names. The name of the person who signed the check is not an authorized signer on our account. Why was the check negotiated? 

5. The check overdrew the account by {$460.00} -- we have never overdrawn our account. Why was the check negotiated? 

6. Wells Fargo did not detect the fraud and stop it. On Saturday, XX/XX/XXXX, I got an email that the account was overdrawn. We were charged a {$35.00} overdraft fee which I got reversed when I closed the account. How could Wells Fargo miss this obvious fraud and assume we overdrew the account? 

There were a number of " red flags '' that Wells Fargo missed that should have caused them to reject this check? Since we have not issued any checks on this account and have not provided the account number to anyone, the investigation needs to focus on Wells Fargo and the company that prints the checks. I have already provided a copy of the letter dated XX/XX/XXXX from Wells Fargo Phone Bank which discloses our full account number and a form from Wells Fargo that discloses our complete Social Security numbers. A police report has been filed and I will provide a copy when I get 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
Consumer complaint received 2023-05-02
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: Bread Financial Holdings, Inc.

Complaint:
In accordance with the fair credit reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have disputed this account with the credit bureaus to no avail. This account is no longer open, nor does XXXX hold this debt anymore. It was sold to a collection agency. However this account is being reported by both XXXX  and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.

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 2023-01-26
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX 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 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 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 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 2017-07-29
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:
I contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on X/XX/2017 and they explained that I needed to contact them in writing to dispute them. On X/XX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so again I called the TransUnion X/XX/2017 and again on X/XX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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 2021-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK

Complaint:
On XX/XX/XXXX I spoke with XXXX who helps with making loan decisions such as forbearance loans, payment plans and etc. I was trying to express to him the issues I was having since the pandemic and how I can't get a job but he put me on MUTE. After about 10 mins, he never returned so instead of hanging up on me I figured out that he wanted me to hang up. 

so I hung up and called back and spoke with another person and I forgot their name but it was unsuccessful. 

I been having a hard time getting a job since the pandemic started. Any opportunities I received were gone due to the pandemic. I can't speak for anyone else I can only speak for myself. 

I offered to show proof that I am actively looking and to give them proof of all of the decline emails that I receive weekly and that didn't matter. 

I told them I can pay {$50.00} a month and they refused that as well. They said that's too low, If I known they were going to be like this - I would have never borrowed from them in the first place. 

They told me that I exhausted all of my options and that they need at least 6 months of payments for me to be eligible for anything that they offer. That makes absolutely no sense at all! How am I going to pay if I do not have a job. I already told them that I do not have anyone to borrow from. 

This company acts like they didn't know we were just in a pandemic. The reason why I can't get a job because I do not have recent experience. These companies want you to have recent experience but how could we? We were in a pandemic for 2 years!!! Everyone was scared to catch Covid! No one wanted to hire new people. Every company you was going to hire me decided to just promote within because its safer than bringing in a new employee. I have proof of that too. But they don't care I don't come from a privileged family - I don't have the option to borrow and pay someone back. And they are aware of this. They know that I can't make payments right now but they do not care. 

I was trying to work with them, come to some resolution but they refuse to help me. I am hoping to get assistance with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION

Complaint:
I was contacted by XXXX XXXX, a debt relief company. They promised to negotiate with Navy Federal Credit Union on my behalf for the amount i owed on 2 credit cards with them. XXXX XXXX   told me to stop making payments to Navy Federal and start making payments to them while they work on my case. XXXX XXXX  told me that in order for their program to work, my accounts with Navy Federal needed to go into collections. After the accounts went to collections, XXXX XXXX  could then negotiate a lower amount i owe and get out of debt sooner. I recieved a summons to appear in court from Navy Federal for serious deliquency. XXXX XXXX then told my they couldn't help me and I then had to hire a bankruptcy lawyer to negotiate my accounts with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
XXXX XXXX XXXX refuses to respect my right to privacy. They are reporting a debt to the XXXX major credit reporting agencies without my consent. I have contacted them several times.

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