hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems

Complaint:
These debt are not mine. They seem like they maybe payday loan and I have never take a payday loan. They will not mail me any information and all this was via phone calls. XXXX  XXXX XXXX XXXX Midwest Recovery Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint:
The company did not post a payment for eight months. Continue to charge late fees and finance charges. Please credit my account {$80.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
I was scammed through XXXX and my Chase bank account. I noticed that my bank account had XXXX over what it should have and realized someone made false reversal claims on like XXXX plus charges in my account that were charges to pay bills etc ( charges were legit and I made them ). I did not make these claims to dispute these charges so I called chase to let them know. 

Customer service was not helpful did not understand what I was talking about. 
The next morning I realized that XXXX dollars was sent via XXXX to someone named XXXX XXXX in 3 different XXXX payments. I did not send these XXXX payments. I was freaking out and called chase again and they opened a claim this time. 

2 months later I was laid off from my job due to the pandemic. I noticed that Chase reverse Ed my claim about the XXXX charges and now I negative XXXX . I called customer service again and they werent helpful they said they couldnt prove it was fraud. So now Im unemployed and beyond negative and dont know how I will pay for food or rent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
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:
I had an excellent credit rating XXXX XXXX XXXX... XXXX ( I have been desperately trying to get to XXXX but unfortunately have only gotten to XXXX. ) My personal and financial information is very important to me and not taken lightly. I have taken great pride in establishing and maintaining my high credit score and have NEVER been late on a mortgage payment, installment loan or credit card payment. So I don't need to emphasize how angry I was when I was informed that I was denied by 3 loan companies for my XXXX loan for absolutely ridiculous reasons ... *Lack of recent installment loan information .. *Too few accounts currently paid as agreed .. *No recent revolving balances .. *Length of time accounts have been established XXXX.*Lack of recent auto loan information. 

I opened my first checking account and my first credit card account ( XXXX ) when I was XXXX. I have had 5 mortgages, approximately 10 car loans, at least 10 installment loans for various items ( snowmobiles, jet skis, XXXX golf cart, storage building, etc. ) and close to 50 different credit cards for department stores. So at XXXX XXXX XXXX, that denial for my loan was absolutely absurd... especially with {$25000.00} down. 

I have contacted all 3 major credit bureaus, the 3 loan companies and also CFPB disputing the erroneous error that has occurred on my credit report. I told them the reason I believed this discrepancy has transpired and it was like talking to a wall! I was on the phone with XXXX and XXXX yesterday for XXXX XXXX  ... transferred XXXX XXXX XXXX. requested to speak to a supervisor ( who wouldn't even give me her name ) and was told by another XXXX representative that I should contact ALL the accounts that I have had in the past and have them document again my credit history. Is that about the most lunatic idea imaginable... especially since a lot of companies are no longer in business or outdated records. 

I legally changed my FIRST name 2 years ago ( XXXX ) ... which was my LAST name for XXXX XXXX XXXX  XXXX ). I also remarried in XXXX and changed my last name. My question is ... why the credit bureaus can't just simply change my name on my credit reports to my legal name. The Social Security Administration didn't have an issue with changing the name on my social security card nor did the Driver 's License Bureau with issuing me a new license and voters registration card with my legal name. 

Due to the XXXX XXXX XXXX XXXX XXXX XXXX. with very little work getting accomplished ( which I might add ) ... some companies have gotten too laxed and slipshod in managing their employees productivity ... and oblivious to the process that is required to provide efficient and effective work ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
This is the second request..I had asked you to remove accounts that I do not recognize that includes addresses, and my name is incorrect. Additionally, there are a ton of inquiries in which I did not approve. Please delete them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc.

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2021-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY

Complaint:
XXXX XXXX XXXX XXXX, TD Bank NA allowed 127 fraudulent charges totaling {$5300.00} and after disputing these charges twice via their XXXX number and also via branch visit, TD Bank states after their investigation fraud did not occur as chip card was detected! XX/XX/XXXX TD Bank contacted via text asking if I authorized {$1000.00} charge to XXXX which I did not. They told me freezing my account and would need to go to branch and get new debit/ATM card. On XX/XX/XXXX when I looked at my account via mobile, my account shown negative balance and broke into tears after seeing 127 Fraudulent charges that all were processed within seconds/minutes/hours of each other and all from state of Florida and meanwhile I was using MY card on legitimate charges here in MA. I hereby state that I did not authorize any of these charges nor authorized the use of my card to anyone ever. 127 changes break down as follows : XXXX allowed ( 92 ) charges totaling {$4000.00} ; XXXX allowed ( 27 ) charges for {$1100.00} ; ( 1 ) XXXX XXXX XXXX {$27.00} ; ( 1 ) XXXX XXXX - {$11.00} ; ( 1 ) XXXX  XXXX - {$11.00} ; ( 1 ) XXXX  - {$6.00} ; ( 1 ) XXXX XXXX - {$47.00} ; ( 2 ) XXXX  charges totaling {$14.00} and ( 1 ) XXXX  {$21.00} : Total of 127 FRAUDULENT charges totaling {$5300.00} all from FLORIDA! TD Bank also processed insufficient fund charges and I have returned check fee from my mortgage company as they returned payment - the stolen money is for back pay of mortgage and I need this money credited back to my account before they start any legal proceedings. I need help please. Can not reach a live person at TD Bank Dispute and Claims department and only can dispute via phone or branch then wait for a letter in mail with decision which I have been denied twice. TD Bank employees in branch and on phone state that fraud is apparent due to time stamps, amount of charges made, card charges being made in Florida and MA at same time but keep being denied MY money - please HELP this has been going on for exactly one month today. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint:
I have been making on-time payments that include an additional amount specified to go towards the principal of this loan. While I graduated in the year XXXX and began making payments sometime thereafter, my loans were transferred ( without my signature ) to another loan servicing company, American Education Services, under the Pennsylvania Higher Education Assistance Agency ( PHEAA ) in XXXX. After numerous attempts to manage my account so that I could pay off the loans, the entire amount of the payments are still going to interest as evidenced by the tax form provided by the lender as well as the obvious evidence of a balance that is well over the original loan amount. There has been no communication in response to several attempts from me or my lawyer to provide the documentation requested regarding the original transfer, the interest rate that has been consistent over the life of this " loan '', or the discrepancy between the reported interest rate and fee structure along with the principle balance, which were requested while in good standing. Furthermore, there has been no response or answer to how the " loan '' interest continues to show in " Account Summary '' as " Unpaid Interest ''. In fact, this loan has been paid in EXCESS of the original student loan agreement including interest. Most recently, notification that was sent to the company to stop automatic payment was ignored and another payment was taken from the banking account.
This student loan servicing company meets the definition of predatory lending due because they have made it impossible ( hidden fees, misappropriation of payments, non-communication ) to pay off the " loans ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: Southwest Credit Systems, L.P.

Complaint:
In checking my credit report, I noticed an improper entry from Southwest Credit System, XXXX XXXX XXXX, XXXX, TX XXXX. Allegedly relating an delinquent XXXX account. 

I do not have any delinquent accounts with Southwest Credit System or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I am in total disagreement with the EQUIFAX investigation response to my dispute from XX/XX/2022. The incorrect items listed below still appear on my credit report. EQUIFAX only changed the details and comments on each disputed accounts, EQUIFAX ignored my requested proof of their investigation, therefore EQUIFAX is violating the Fair Credit Reporting Act section 611 ( 5 ) ( A ) of the FCRA. EQUIFAX never provided me any method of communication they used to verify the information. EQUIFAX never provided me the documentation used to verify my dispute. EQUIFAX VIOLATED the Fair credit reporting act, public law 91-506, Title VI, Section 611, Subsection A-D. EQUIFAX is violating the standard of reporting compliance implemented with the CRSA enacted CDIA Metro 2 Compliance regulations. EQUIFAX USED A COMPUTER GENERATED VERIFICATION system called e-Oscar. ANOTHER VIOLATION.

DUE TO ALL THESE VIOLATIONS EQUIFAX NEEDS TO REMOVE THE INACCURATE AND INVALID ACCOUNTS LISTED BELOW IMMEDIATELY : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
The credit bureaus are NOT complying with their own policies in a timely manner! I have submitted a dispute by mail 30 days ago and have NOT receive a response or a dispute on these items listed on my reports. XXXX letter of dispute for acct # XXXX, XXXX, XXXX. Experian acct # XXXX, XXXX acct # XXXX. All have failed to comply in a timely manner.

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 2021-06-23
Product: Checking or savings account — Other banking product or service
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I was fully approved for an SBA loan with XXXX for XXXX XXXX XXXX ( XXXX XXXX ) which went into a financial crisis during the pandemic. In the process of trying to recover XXXX XXXX and purchase another vehicle to get back to work with the funds provided the bank ( Capital One ) interfered by freezing my account for CPR investigation.When all documents requested were sent followed by an email from the lender ( XXXX  ) confirming approval my funds plus my refund deposit were still withheld. Due to this issue, my company is unable to prosper.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.

Complaint:
XXXX XXXX XXXX XXXX has been a thorn in my side for many, many years. Their staff & collecting agencies don't know what they are doing, how to run insurances, nor are they properly trained, and their medical practices & procedures go against common medical laws, bordering on medical negligence e.i. life threatening & damaging. It's NOT my fault they refuse to or maybe they just don't know how to run/bill the insurance properly, so I shouldn't have to pay for their wanton thoughtlessness. 
Now, I have 3 types of insurance, and XXXX XXXX has ALL OF Them on file.. XXXX, XXXX and something called Qualified Medical Beneficiary ( QMB ) Program. I will attatch those pictures of the insurances and cards with this to prove it, and it has the dates of coverage on it, so they can't lie and say I wasn't covered or they didn't know either.. But my Children 's information is none of your businesses, therefore I will XXXX them out.. 
XXXX pays about 80 % of everything, XXXX takes care of the rest, and if by some XXXX XXXX chance something else, like a co-pay, deductible, or a coinsurance is owed, XXXX takes care of that little problem. 
So, with those facts in mind, in my conclusion : There is no way on God 's Green Earth do I owe them ANYTHING, period. Now take this off of my credit report, running my credit scores down, ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Balance {$6600.00} Date Opened XX/XX/XXXX USAA FEDERAL SAVINGS BANK Balance {$9700.00} Date Opened XX/XX/XXXX Collection Agency XXXX XXXX XXXX Amount {$5200.00} Date Assigned XXXX XXXX, XXXX These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer 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 2023-03-26
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 notice that my credit report had several errors reporting to my credit report on all 3 bueraus so i reached out to each one on XXXX XXXX with some certifed letter requesting the information to be removed and letters to be sent out to me with proof that i open these accounts with my signatures and only XXXX complied and deleted all the accounts that were listing closed with balance.I also requested the same to be done by the transunion and XXXX and they both have yet sent over the requested documents showing anything of sort as of XX/XX/XXXX and all the following accounts are still reporting negative to my credit reports.The following accounts are as follows : XXXX XXXX XXXX XXXX reported XXXX XXXX with a bal of XXXX, XXXX XXXX XXXXXXXX XXXX with a bal of XXXX, XXXX XXXXXXXX XXXX with a bal of XXXXXXXX XXXX XXXX XXXX reported XXXX XXXX with a bal of XXXX, XXXX XXXX reported XX/XX/XXXX, XXXX with a balance of XXXX, XXXX XXXXXX/XX/XXXX with a bal of XXXX, XXXX XXXX  on XXXX XXXX and bal reported XXXX, XXXX XXXX reported XX/XX/XXXX bal is showing XXXX, XXXX reported on XXXX XXXX and reporting XXXX XXXX The XXXX XXXX XXXX ret last reported on XXXX XXXX bal XXXX XXXX XXXX XXXX  last reported XXXX XXXX bal XXXXPlease remove all negative information due to it inaccurate information.

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 2019-04-24
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:
I have contacted both Experian, and XXXX  by phone, and by mail, and even fax regarding multiple fraudulent accounts that appear on my credit file. I have disputed these accounts as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to both Experian and XXXX and both credit bureaus have ignored my fraud disputes, and both companies have neglected to utilize my recent credit report to block these fraudulent accounts from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by both credit bureaus. 

The following accounts are not mine and are on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX Card Services XXXX ( Fraud ) XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX ( Collection ) ( XXXXXXXX XXXX ) ( Fraud ) These are not my accounts and I have also communicated this same information and provided my police report to these businesses listed above, and they have refused to assist in the correction of the fraudulent information the same as Experian and XXXX have. 


They are all acting in a willful and malicious manner and continue to defame my character by knowingly reporting information they have been fully informed was fraud.

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 2023-06-30
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:
on XX/XX/2023 I filed a complaint disputing information on all 3 of my reports ( ID XXXX, XXXX, and XXXX ). As of XX/XX/2023, little to no information has changed. In fact, 2 of them are still open.

Also, in accordance with 15 USC 1681b : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

AS WELL AS 15 USC 1681c : ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have NEVER given my consent for any company to report to my credit report, nor do these reporting agencies legally have the right to be reporting negative information to my report. Do to the fact that there is STILL such and abundance of negative information being reported to my reports, I have been denied employment, and the ability to acquire credit. 

As a final mark against them, my XXXX, XXXX, XXXX, AND XXXX files have all been locked ( see attached ), so how these agencies verified any information if subject to question.

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 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can you close my complaint and say that it was already processed it earlier. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

Company response to consumer: Closed with explanation