hpe-ai/customer-complaints-train.csv huggingface dataset:
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
I sent a certified letter of validation to the collection agency XXXX, on XXXX XXXX, which they recieved on XXXX XXXX. They never responded back to me within 31 days of the letter. So for a debt that I don't owe it is a violation of the FCRA and the FDCP. Therefore if it could'nt be validated XXXX must request that all reporting agencies delete the entry. As of XX/XX/XXXX, this will be 5 months with no response.

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 2021-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC

Complaint:
I have a XXXX XXXX XXXX XXXX and XXXX Accounts. My last transaction that went through is on XX/XX/XXXX. Ever since then, even though I have over {$190.00} in my Spend account and {$10000.00} in my save account, my debit card is declined and when I try to transfer my money out of the accounts it says my account is frozen. I also get an error, if I try to close my accounts. 

I have emailed and phoned the customer service over and over - and they just say they will forward to a specialized team. I never hear back from any of them. I don't even know why they froze my account. 

I have bills to pay - I need my money back. Please help me get them to unfreeze my account ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
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 believe I am entitled to the XXXX  under the new temporary waiver set forth by the current administration from XX/XX/2021. I have submitted XXXX  applications seven times in the past 4 months and provided employment verification. ( Payments to verify may be difficult as my loans have been sold or consolidated 3 times in that time frame ). I have been a victim of XXXX XXXX, XXXX, never dealt with who XXXX sold my loan to and now FedLoan for the direct loan consolidation. I have watched my loan balance grow instead of reduce ( $ XXXX to $ XXXX in 4 months from all of the transfers ). All I received from FedLoan is computer generated letters they received my application. But no one has done any review for 4 months. I send emails to ask about the status, and also receive no communication. I am currently on hold with them to ask a person and not a computer about the status. I have been on hold 15 minutes so far. I am attaching the applicaitons etc to show that this should not be so difficult to review. I want to know why I am still waiting for a result. How long is it going to take FedLoans to get it together and start processing the temporary waiver applications?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.

Complaint:
its simple is it legal for CC companies to report negative things to the CREDIT BUREAU while the DISASTER PANDEMIC IS GOING ON BECAUSE I READ IN THOSE LAW XXXX I BELIEVE IT SAYS NO SCORE CHANGE OR LATE PAYMENT SHOWED??? IT WAS IN THE WEBSITE DFPI???

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 2017-03-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC

Complaint:
XXXX. claims I owe them money. I never heard of this company nor have I ever done any business with them. They sent my fraudulent balance to collections ( Central Credit Services LLC ) and the collection agency wo n't speak with me regarding the 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 explanation
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Atlanticus Services Corporation

Complaint:
I have a new account with Fortiva and the first payment was due XX/XX/2023, they have reported the account 30 days late on XX/XX/2023!! I called and spoke with a supervisor over there on Friday XX/XX/XXXX. Her name is XXXX, she advised me the account was not reported late. I advised her that I have proof from XXXX and XXXX that account has been reported late.. I would like for them to resolve this issue and correct error reported to credit bureaus!!!!! This is hurting my credit file and was done in error!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I am requesting that CFPB investigate the refusal by CapitalOne to process a Reg Z chargeback request instigated by XXXX XXXX XXXX and supplemented by me re our MasterCard ( acct no XXXX ). XXXX rental car submitted an outrageous bill for which it retained no prior written authorization resulting from a rental car transaction. The car rental was late and attempts to extend rental directly was impossible due to unlawful attempts to change the rate or the refusal to agree to unlawful price gauging. The credit limit is XXXX and yet capital one accepted a XXXX bill by XXXX, tacked it to our account balance, and then promised to issue a preliminary credit via 2 supervisors before suddenly closing the dispute. Capital Ones customer service representatives outsourced to non-US countries failed to document original Reg Z chargeback demands properly, sent out the wrong forms containing inaccurate amount of disputed charges, and thus resulted in about 7 calls before two supervisors confirmed the chargeback credit was to issue within 24 hours of last call to Supervisor. I am alleging a conspiracy to prevent rental car availability to Mr. XXXX and me for purposes of preventing us from driving and relocating to DC with XXXX XXXX, who has an active CIA EEO matter pending in DC. Capitol One, along with XXXX, and every rental car company has collusively resorted to the most extreme forms of unlawful business practices and made a mockery of blatant consumer protection violations to hinder interstate and intrastate travel. I would like Capitol One customer service recordings of both Card holders on this account to be played along with a review of the writing s sent to the address of Mr. XXXX while both of us were stranded in CA attempting to secure a rental car while XXXX and XXXX XXXX in Texas sabotaged an auto purchase of a unique conversion van intended to be driven to DC by XX/XX/2019. I would like this matter corrected and brought to the attention of the Senate Intelligence Committee as XXXX XXXX is familiar with the pending CIA matter of XXXX XXXX, who is my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On Tuesday, XX/XX/2020, I deposited at about XXXX local time the sum of {$600.00} CASH via ATM on XXXX XXXX XXXX , XXXX XXXX , CA , into my Credit Card Account ending in XXXX. 

Regrettably, on Wednesday, XX/XX/2020, Bank of America is UNLAWFULLY WITHHELD CREDITING MY ACCOUNT, in clear breach of their own Terms of Contract & Service with me-which unequivocally stipulates that Monies or Checks deposited by XXXX on a business day would be CREDITED the next business day. Accordingly, I strongly believe Bank of America 's action is not only capricious, but DISCRMINATORY as well. 
I say this because the previous week, I had tried to make a payment by XXXX for the amounts of {$77.00} and {$100.00} respectively, which was REPEATEDLY DECLINED. Bank of America sent me a Text and Email to verify these two transactions, which I promptly did. 

Indeed, on the night of XX/XX/2020, I also called Bank of America, spoke to the " Fraud Department '', and assured them AGAIN that the aforementioned XXXX transactions were made by me. I was assured that the necessary NOTES would be made on my Credit Card account, and that my Account would not be " blocked again ''. 

Despite this affirmation and confirmation by Bank of America fraud department staff on XXXX, Ms XXXX ( Employer ID # : XXXX ) of Bank of America `` Contact Center for Credit Card '' told me today that the reason why the {$600.00} deposit was being withheld for the next five days ( i.e. until next Monday, XX/XX/2020 from being credited was ostensibly because Bank of America was waiting for it " to clear '' their system. This is clearly LUDICROUS and a BLATANT LIE. I mean, it's a CASH DEPOSIT-for crying out loud. 
Against this backdrop, I strongly believe that Bank of America is hell-bent ( albeit unlawfully ) to impose a FALSE NARRATIVE upon me and my account to the effect that there must some " fraud '' going on with my credit card account. This is pernicious DISCRIMINATION.

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 2017-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Data Corporation

Complaint:
I cancelled a merchant account with  First Data  XXXX   XXXX  in  XXXX    XXXX  . I would be happy to scan and send copies of the cancellation letter from my nonprofit organization, the form requested b y First Data cancelli ng service & a bank account showing the amounts charged. Total amount charged monthly from  XXXX   XXXX    XXXX   is {$130.00}.   I calle d First Data  on  XXXX   XXXX  this year to ask for a refund. They asked that I submit paperwork relating to the charges which I did to  XXXX  XXXX  XXXX . They did not respond. I called again on  XXXX   XXXX  and eventually managed to speak to a supervisor,  XXXX . He said he had all the paperwork from me and could see th at First Data had not cancelled the account nor made any refund. He   confirmed it was now cancelled. ( I had already cancelled the account with my bank ). He said I should call back in a couple of weeks. I called this morning -  XXXX  was unavailable. I spoke to another supervisor and after a lengthy conversation she informed me that I had to send the request again to  XXXX  XXXX  XXXX . I asked to speak to someone in that department and was told they only accept emails. I feel sure that  XXXX   XXXX   does n't want to refund the money, so now they are giving me the run-around in order to not make good on what is owed. I do hope y ou can help me as this is a considerable amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc

Complaint:
We continue to receive calls from XXXX. They leave this message " We have an important message from the office of Hunter Warfield this call is from a debt collector. Please call us back at XXXX. '' We do not have any outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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:
I discovered violation on XX/XX/2021 under 15 U.S. Code 1681a ( f )

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 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.

Complaint:
The Debt Collection Company IC Systems has recently reported to my XXXX XXXX Credit Report That there is an unpaid debt to XXXXXXXX XXXX. They are showing the account was opened on XX/XX/XXXX and last reported to the Credit as in collection as of XX/XX/XXXX. I have contacted them collection company and requested validation of this debt. I have also contacted XXXX XXXX   who informed me that this account was Closed on XX/XX/XXXX, making this debt over 5 years old and 1 year past the statue of limitations in the State of Texas, however IC systems has " re-aged '' this debt in order to report it to the credit Bureau I have also asked XXXX XXXX for Notification of attempts to collect any debt from XXXX and they will not provide anything. Never has XXXX XXXX to my knowledge ever reported any collection on any of my Credit in the last 5 years until IC Systems took over the collection agency as of XX/XX/XXXX. 
I have disputed this debt as I have no recollection of owing any money to XXXX XXXX in which they say is " unpaid programing '' and " early termination '' fees that they will not provide any documentation on and to my knowledge never obtained or reported any collection activity on my credit until now. 
With IC systems reporting this 5 year old " Debt '' and " re-aging '' it to a 2 month old debt, this has drastically negatively impacted my credit score do to their Illegal reporting practice of " RE-Aging '' the debt. So when a lender looks at my credit for any type of loan purpose they will see a new collection that is 2 months old negatively impacting my ability to extend or receive new credit.

I am not sure how a company can just out of no where start reporting a Debt that is over the statue of Limitations as well as reporting the incorrect dates of the said debt. 
I need your help in removing this off of my credit. I fear that If I make any attempts to make any payments on this 5 year old account, it will reopen the statue of limitations and reporting limits of the Debt. So with them reporting this debt as of XXXX it will now stay on my credit until the year XXXX instead of dropping off 7 years past the original date of the said debt. 
I have also disputed these charges with XXXX XXXX with no avail or communication efforts on their part until I received this on my credit, and I will also state that the Debt was reported to my credit Months prior to receiving any written notification from IC systems as I have just received a letter today XX/XX/XXXX XX/XX/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 2023-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint:
I purchased an item from XXXX XXXX on XX/XX/XXXX and did not receive a statement until XX/XX/XXXX and it had late fees and an interest charge. I called and told them I had not received a statement and they waived the late charge, but I paid the interest and the payment on XX/XX/XXXX with my debit card over the phone. I have bought nothing with this card since then. I have had no correspondence with them since XXXX of XXXX. On XX/XX/XXXX I receive a bill from Comenity Bank for {$96.00} and it is nothing but late fees and interest charges. I call on XX/XX/XXXX and talk to XXXX and she tells me she will waive the late fees, but I will have to pay the interest of {$11.00}. I did not want to do it over the phone and was going to do it online so I would have a time stamp of payment. The only way to do that was with my checking account and I was not giving them that information. I called back and got XXXX and now it is {$15.00} that I owe, and he will waive the late fees. I am frustrated and pay it and ask for this card to be cancelled. I look online and my payment is pending yet I did this on XX/XX/XXXX and it did not show up on their site as paid until XX/XX/XXXX, but shows on their site as XX/XX/XXXX and all the other charges are still on the account. I call back and get XXXX XXXX and he want to know if I want to make a payment. I explained it all to him again and he says he will take care of it and I told him I wanted this card cancelled and he said he had put in a request to do so. I told him I better not get another bill and he said I would and there would be a {$1.00} charge and to call back and he will take care of it. This is a never-ending problem with this credit card. I paid {$15.00} I did not owe. This company is stealing from its card holders

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX will not correct their own errors and keep blaming the SSA Administration for their own wrongness. They are continuing to keep my 19 years from me and a letter dated XX/XX/22 appears to have been backdated says termination of my XXXX XXXX debit master card account suspending or cancelling that you have elected to do and under the law Article XIII, section 1b. Please send to the CFPB the law you are using under these terms since an employee female told me last night that this is coming from Social Security Administration and to go ask them. You should payout the new XXXX Claim filed as 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 2018-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint:
This is in reference to an old Chase account that was closed in XX/XX/XXXX due to fraudulent activity on the account. Till date, I have not received refund of my account balance after account closure. The balance was closed to around {$6000.00} and some transactions were under dispute. 

I've exhausted all avenues to get this resolved. till date I have not heard anyting from Chase regarding the resolution of my account dispute. The balance on my account close to {$6000.00} just vanished and account closed. 

Account # XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Attachment : letter to chase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc.

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

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency Can not Furnish an account Without my written Instructions.

Company 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 2021-02-09
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 am writing this statement to expunge the following information off of my profile. The items that I need expunged are already listed in the report. I'm a victim of identity theft and did not make these charges. I'm asking that these items be expunged so that my credit report can be up-to-date and correct. I've already reported to the Federal Trade Commission and printed out copies of my affidavit I would really appreciate it if these items get deleted expeditiously. This issue has been taking a toll on my health and the health of my son. I'm trying to purchase a vehicle so my XXXX son doesn't have to worry about catching XXXX. He also has a XXXX XXXX XXXX which he has to carry with him at all times this is very overwhelming for a single mother of XXXX and all I ask is that I can be assisted in any way to help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
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:
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported inXX/XX/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 2018-06-01
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 was a victim of identity theft from my mother while she was living with me and stole all my information. I was trying to get her to make the payments but I have not been able to locate her or contact her. I have filed a police report, contacted the company, and placed a fraud alert on my credit report. The total amount of debt is around {$15000.00}.

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