hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Students Come First

Complaint:
the company Students Come First XXXX, promised me loan forgiveness if I consolidated my government loans and charged me {$590.00} for processing fees but never told me these payments wouldn't go to my balance, promised after paying {$2500.00} that the balance would be forgiven. All of it is incorrect. My loan was consolidated with Federal Student Loan and they said they have never heard of a forgiveness loan program unless you are a teacher, that I will owe the entire balance and Ithey don't have any payments that I made to Students Come First nor do they make any payment arrangements by credit card which is what XXXX XXXX set up for me under Students Come First - I would like my money back

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates

Complaint:
My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

The law offices of mitchell d. bluhm & associates collections - XX/XX/18 - {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15
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:
In XX/XX/XXXX I sent out a certified letter which was an inquiry letter about items being on my report that are not authorize. they sent me a letter stating that the items were factual and they remained on my report however Im a victim of XXXX breach as well as I sent in a FTC report regarding fraud gave them the report number as well they sent back me A generated letter saying that the items were factual. if Im a victim of XXXX breach an my information is linked as well as Im sending you a report of Unauthorized inquiries on my account and unathurized use of items on my credit how is it factual. Theyve done this to me several times in attempt to removing these inquiries off my account and the items I listed in the attachment. Perfect example XX/XX/XXXX I disputed items once again the same items Ive been disputing in on XX/XX/XXXX that Dispute was completed the same day and I called about XXXX  so how are you looking into the matter if it takes you less than three hours to complete an investigation then send me a report two days later XX/XX/XXXX that the investigation is complete.This shows me that XXXX is failing to be concerned with my credit report as I am and continue to issue generated responses to this serious matter that I believe is very serious on my report. I have fraud alert and security freezes with all 3 credit reporting agencies after this breach with XXXX and the glitch with Transunion Another issue is XXXX  shows they sent them documentation of removal of late payments due to hurricane Irma from XX/XX/XXXX through XX/XX/XXXX the items were removed from all three agencies. A few day after XXXX Transunion and XXXX re-inserted the items again ( without a 5day notice ) now this has been a problem because Im unable to Receive much-needed credit and high interested rates and denied credit do to these bad inaccuracies they are costing me more money by the day and are hindering me the letter the company sent them is also insert it in the attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC

Complaint:
On XXXX XXXX, 2019, a collection account from Allied Business Services has appeared on my XXXX  credit report for {$110.00} I have NO knowledge of this bill or what it is owed for or from when or what services were provided. A certified letter # XXXX XXXX XXXX XXXX XXXX was sent to the above-mentioned business requesting VALIDATION of the account to include the above mention factors and asking the above mention business and another certified letter to XXXX  # XXXX XXXX XXXX XXXX XXXX requesting to remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint:
Paypal, held funds, started bank transfer, then denied bank transferred, charge fees and canceled transaction. Spoke with XXXX and her supervisor on XX/XX/2018, but they also denied to help correct the issue. 

Transaction details Print Withdrew Funds to a Bank Account XX/XX/2018 at XXXX XXXX PSTTransaction ID : XXXX Payment Status : DENIED Gross amount - {$100.00} USD Your Payment Gross Amount- {$100.00} USD PayPal Fee {$0.00} USD Net Amount- {$100.00} USD Contact info Bank Account Funding details Funding Type : Bank Account Funding Source : {$100.00} USD - THE XXXX ending in XXXX Funding Type : PayPal Balance Funding Source : - {$100.00} USD - PayPal Account Need help? 
Go to the Resolution Center for help with this transaction, to settle a dispute or to open a claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
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: CITIBANK, N.A.

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on DSNB MACYS. Also, I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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: EQUIFAX, INC.

Complaint:
I have a right to accurate information, if the reinstatement of the item on my credit report is found to be inaccurate or incomplete, I have the right to request its removal or correction. I have a right to an explanation per the FCRA and am requesting information as to why adverse information that was previously disputed continues to reappear on my credit report. I have a right to fair credit reporting and request appropriate action to be taken to rectify the situation. I am requesting a written explanation, supported by relevant documentation, detailing the reasons for the reinstatement of the item on my credit report. Additionally, I expect that you conduct a thorough reinvestigation into this matter to ensure the accuracy and completeness of the information on my credit report. Please provide your response within 30 days, as stipulated by the FCRA. Kindly send your written explanation and any accompanying documentation to the address mentioned above. I appreciate your attention to this matter and look forward to your timely response, as well as a prompt resolution to this issue in accordance with my rights as a consumer under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.

Complaint:
Hello, The problem I have is with Chase Bank - Chase.com. 

I have a checking and a credit card with Chase bank On XX/XX/2019 I submitted a one time payment online, using chase bank application, of XXXX $ - the payment was towards chase credit card Chase by mistake or by their application issue charged my checking account 2 times of XXXX . Therefore i can see that XXXX $ was taken away from my chase checking account. 

But checking credit card processed and received only 1 payment of XXXX . So I lost XXXX $ ( 2 times of XXXX $ ) from my checking account and credit processed only one XXXX . Therefore Chase bank stole second XXXX $ from my checking account I'm calling chase bank daily regarding this issue, spend 5+ hrs on a call with chase bank, went to a chase branch, talked to at least 5 managers, sent at least 7 emails to chase bank Everyone I spoke to from the chase bank can see and they agree that XXXX $ disappeared from my checking account, they agree that bank somehow charged XXXX $ by mistake and those money has to be back, BUT none from chase bank helped to return XXXX $ back to checking. They keep directing me to debit card department, debit calling credit, credit finger pointing back to debit, managers pointing back to debit, credit, claim department, claim department telling its not a fraud and they can not help. I spent a week trying to return stolen by chase bank money and Chase bank did NOTHING to help so far other than finger pointing to its different departments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL

Complaint:
PayPal MasterCard has refused to allow me to use my email address to set up an online account to make payments, view transactions, and receive statements. I have spoken to customer service and other staff and managers with PayPal and have not received a solution. I have to make payments by phone or by mail.

Synchrony Bank is the servicer. PayPal and Synchrony Bank are blaming each other for the system error like children, instead working together to resolve the system glitch or whatever is causing this simple, mechanical issue that seems to be not accessible for my account.

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 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY

Complaint:
XXXX On XX/XX/XXXX, I mailed check # XXXX in the amount of {$58000.00} to payee United States Treasury intended as an installment of my XXXX estimated tax payments. 

XXXX On XX/XX/XXXX, the check had cleared my bank ( XXXX XXXX XXXX ) with the assumption that the check was paid to the actual payee on the check ( United States Treasury ). 

XXXX On XX/XX/XXXX, my CPA filed my XXXX tax returns with the expectation that we are getting a refund of {$120000.00}. 

XXXX On XX/XX/XXXX, I received a letter from the IRS adjusting my refund to {$65000.00} which prompted me to inquire with my CPA the reason as to why they did this. 

XXXX On XX/XX/XXXX, my CPA confirmed that the IRS must have not received my check for {$58000.00} which is the exact difference. 

XXXX On XX/XX/XXXX, I requested a copy of the cancelled check from my bank ( XXXX ) which led all of us to believe that it was cashed by someone other than the United States Treasury XXXX Please bare in mind that the front of the check was not altered in any shape or form but the back was missing the official IRS endorsement markings. 

XXXX On XX/XX/XXXX, I received a call from my bank stating that the check was deposited/cashed at a Wells Fargo Bank XXXX 

XXXX Since then, myself and my bank ( XXXX XXXX XXXX ) have made several attempts to claim the lost funds from Wells Fargo to no avail. Wells Fargo refuses to refund my lost funds.

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 2022-03-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2017-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Health Care Financial Services, Inc.

Complaint:
Once again upon reviewing my credit report I noticed accounts from ARS placed. I have NEVER received any information written nor phone calls about this alleged debt until after I asked for validation. I have NEVER been aware of this alleged debt until I pulled my credit reports this year. I mailed validation letters twice via certified mail on XX/XX/XXXX and have received no reply to them according to my request. Under the FDCPA I have a right to debt validation. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. I have asked of ARS multiple times to allow ME to validate the alleged debt by doing the following : 1 ] Sending me a detailed breakdown of fees and any collection costs and medical charges.
2 ] Sending me a copy of my signature with the provider of service to release my medical information to ARS.
3 ] Sending me FULL DOCUMENTATION of what was received from the provider of service.
To this date I have NOT received any of the requested information above. I have only to this date keep receiving the same statements on ARSs letterhead that could belong to anyone and is NOT ... I repeat the ARS letterhead statements are NOT validation and can NOT and does NOT serve as proof that I owe this alleged debt. Reporting information to the credit bureaus that has NOT been validated is indeed a violation and ARS is violating the law. ARS is refusing to validate the alleged debt by not complying to my request as once again I am legally allowed to request validation. ARS must permanently cease and desist any credit bureau reporting of this alleged 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 2023-01-14
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: SANTANDER HOLDINGS USA, INC.

Complaint:
Unauthorized credit inquiry on my credit reports on XXXX XX/XX/ 2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.

Complaint:
Cancelled service with XXXX XXXX on last day of billing cycle XXXX. I called and they were having phone issues and couldn't get through so I emailed them at XXXX. I called back the next day to confirm it was cancelled on XXXX and they said they couldn't accept cancellation that they would cancel today but wanted to see what they could do to keep my business. They could have cancelled they just chose to bill me for another month when there system wasn't working on the last billing cycle day. I had spoke to them almost 3 days a week trying to fix constant issues with them prior to XXXX. I told them It has been the worst service I've ever had in the last year and I have purchase XXXX. I was paid up to XXXX because billing was month in advance. They sent me a new bill for XXXX XXXX XX/XX/XXXX XXXX. I did not have service nor had any equipment hooked up with them. I have disputed this multiple times with them and several collection companies where it was approved and removed from my credit. Then my file gets sold to other companies and it starts over again. I have reached out to them and XXXX XXXX again this year which XXXX XXXX was going to send out documents for me to fill out but I never received them nor understand what the lady was saying she was sending out. I should not have to continue to file something when I proved my case over and over and it was cleared off my credit report. I sent in all documents and verified that the amounts don't even add up correctly. I don't know where they get 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 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
In XXXX The company let me know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. Here it in XXXX and the case is still being reported as Open and late on Payments. The company is XXXX. The have reported to the three credit bureaus antiquated informations on my name for the last seven years. They have stated that i have an education loan from XXXX and XXXX and reported that I have been late. The account was discharged in my bankruptcy for the school not being accredited. Every month XXXX is playing with my credit score, they will report it closed, then open, then up to date. This is causing a great deal of stress on me and I am in the process of filing a lawsuit.

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 2022-07-07
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 account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, 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 602 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 explanation
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
in accordance with the fair credit reporting act Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confindentially under 15 usc 1681 according to the 15 U.S.C 1681 section 602A I Have the right to privacy these adresses and names do not belond on my credit report Experian : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXXXXXX XXXX XXXXXXXX ca XXXX XXXX : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca 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 2023-02-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-05-07
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have lodged disputes with Capital One, XXXX, XXXX and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation