hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.

Complaint:
I signed up for a Chase XXXX card using the link for XXXX bonus XXXX miles after XXXX in spending and another XXXX pts after spending XXXX. I am very particular about the credit card rewards I sign up for. I used the Chase link for this rewards program. They shifted me into a different less meaningful card bonus program -- which I never would have signed up for. 
XX/XX/XXXX signed up for card Early XXXX -reached XXXX in spending. 
Inquired about bonus they told me to wait XXXX weeks. 
XX/XX/XXXX - XXXX weeks later they told me I did not apply for that card bonus. 
Refused to give bonus points after I satisfied all requirement. 
Bait and switch. 
I know exactly what card I signed up for - I dont even know what offer they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX has singlehandedly and intentionally sabotaged my credit with their false credit reporting. I hold 3 different accounts. One with XXXX XXXX, one with XXXX XXXX, and one with XXXX XXXX. As of today they have closed all three current non delinquent accounts based on a retaliatory act. They claim that based on their information I am considered a high risk of failure to pay. Mind you I have never defaulted on any existing creditor or have been late with any existing creditor for over 7 years. I have waited 7 years to establish new credit after I was forced to file for bankruptcy 7 years ago due to outstanding medical bills. But when I hit my 7th year XXXX has been nothing but disrespectful towards me treating me like an XXXX that has no credit.. This complaint has to do with my XXXX account. I have paid down this project monthly as agreed with the contract. But thats not good enough! I have paid more than the minimum payment for several years not once missing a payment and the thank you I get for being a great customer is " we are closing your account because you are a risk of not paying. '' On my credit bureau, Again there are no indications of defaulting on any of my creditors, on the contrary I have an outstanding payback history Any negative reporting has been caused by XXXX XXXX  and their false claims that I went over my credit limit by 300 percent due to their retaliatory act of reducing my credit line because I retracted a payoff to the XXXX XXXX account, this after they froze my account for a suspicious large payment. Since XXXX of XXXX they have been claiming i became a high risk of not paying and have reported incorrectly to my bureau ruining my credit score. Something needs to be done. No other creditor does this lunacy to good customers.

Company response to consumer: In progress
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc.

Complaint:
My collections agencies refuse to send paperwork nor negotiate anything with me. I started to pay my debt just recently they refuse to make my credit report in good standing. I have n't received any mail about this debt either. The account balance is wrong also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I checked my credit report and noticed unauthorized and unverified accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.

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 2022-01-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
I've sent in multiple disputes to Experian regarding account requesting in compliance with this method of investigation request, to provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

After 4 attempts XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. A Copy of the letters are attached.

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 2023-01-19
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 2020-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.

Complaint:
I put in my first dispute with Comenity Bank on XX/XX/2020 when my XXXX statement arrived and I did not see my rewards points credited. It is now XX/XX/2020, with no resolution and hours and hours on the phone with them. I have received only a partial credit for my original order of XX/XX/2020. The items get billed to my card as they ship and I have called over 10 times and spoke to many representatives to try to find out why all of my purchases weren't included in the correction to my rewards dispute and why they only credited a portion of my points, no one can explain it. They have given me different deadlines for them to resolve this ... 2 weeks, 60 days, and now 90 days. Meanwhile, I have had a {$2000.00} overpayment on my account from returns I have made and they are considering this a billing dispute so not only was I talked into a XXXX XXXX Credit Card by the rep to get points, which I still don't have, I still don have some of the furniture from my XXXX order and now I do not have my {$2000.00} that is just sitting as a negative credit balance on my credit card with them for over 30 days. They are refusing to reimburse it even though it has nothing to do with my reward points dispute. I finally spoke to a rep at XXXX XXXX on XX/XX/2020 who changed the last 3 to 4 items that had not already been shipped and cancelled them and reordered them under the rewards point coding versus the 0 % coding which is when my rewards points started to credit. But they returned items and took points away from me that were never credited. So I am negative over 3000 points, when they are the ones who owe my approximately 3000 points ( see attached for exact figures ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.

Complaint:
Credit Management LP, Diverified Adjustment and XXXXXXXX XXXX XXXX are attempting to collect debt that I dont owe to them. I sent a. Identity theft report and still no response. Ive asked to send me proof of debt like a signature or contract that I know they cant proof because I never did business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.

Complaint:
National Credit ( not the original debtors ) repeatedly calls me over a debt was dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I have been trying to dispute since XX/XX/2020 and only XXXX  has removed the inaccurate information and student loans that were transferred to another lender. Also, the document that I have provided from the XXXX XXXX XXXX does not have my original signature. It has someone name XXXX which I have no idea who that is. 

XXXX XXXX XXXX- Does not have my original signature on the documents provided XXXX XXXX XXXX account XXXX-Innaccurate information XXXX  shows XX/XX/2020 date opened and Equifax shows XX/XX/2020 last date reported is also inaccurate XXXX XXXX- desputed and removed by boyh XXXX  and Equifax XXXX  has not removed this account. 
XXXX XXXX opened, balance, high credit score past due, all is innacurate information with all 3 credit bureaus.

XXXX-Not my information XXXX/XXXX- reporting inaccurate information with all 3 bureaus.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Santander Consumer USA Holdings Inc.

Complaint:
XX/XX/XXXX XXXX XXXX called multiple relatives and myself in different states claiming to be with each state/county judicial services and leaving messages a warrant would be issued for me if I didnt respond to be served papers. No explanation what for. After contacting XXXX number to be removed and have relatives info removed they refused and refused address for company called XXXX XXXX XXXX. Still insisted the calls are from the courts. This is probably for an old auto loan that had been transferred to Santander in XXXX. These voicemails have been saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Filed written dispute with MCM on XXXX. Received correspondence back from MCM stating that it is unclear what Im requesting. Attached is copy of letter identifying the documents that I requested. 

Moreover, attached is MCM correspondence letter I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC

Complaint:
On XX/XX/19, I traded in my 2012 XXXX to XXXX XXXX. Shortly thereafter, I receive notice from my credit reporting agency that my account was hit for a 30 day late mark on this account AFTER I no longer owned the car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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: SYNCHRONY FINANCIAL

Complaint:
A credit card was fraudulently opened in my name and I am completely unsatisfied with Synchrony Bank 's 'investigation ' of my fraud claim. I had NEVER had any contact with Synchrony about  this account prior to my discovering the fraud on XX/XX/2020. I have not lived at the address associated with the account for 20 years. The email address associated with the account is not mine. I have never received any phone calls from Synchrony related to this account. I informed Synchrony that this account is fraud and they undertook an 'investigation '. Today I received notice from Synchrony that they are unable to approve my fraud claim because : 1. " You authorized, participated in, or benefited from the purchase '' 2. " Payments have been made by you on this account '' 3. " The account has been opened for more than 12 months with statements sent to you '' I am furious about this situation for a host of reasons. To begin with, Synchrony never contacted me as part of their investigation and none of their so-called findings are true. I called Synchrony again and they say they are unable to give me any details about the account, but I was able to find out that the address on the account is one that I have not lived at for 20 years, the email on the account is not mine, and Synchrony acquired the account  from another issuer in XXXX. I believe that Synchrony is intentionally doing a sham investigation of this fraud in order to scare me or bully me into paying it. I have NEVER had delinquent credit and as a result of this my credit score dropped from over XXXX to XXXX. This account is fraudulent. I have never used this credit card and I have never made payments on this credit card. I am begging for help to get Synchrony to do a competent investigation.

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 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX along with XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States that I have a right to privacy, 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a a payment on a credit account under an open end consumer credit plan as late for any purpose. The provided data to the XXXX on or about XXXX XXXX XXXX. Listed below is their contact infor : LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX XXXX I gave no legal authority to collect or disseminate my personal information at any time. This has resulted in a denial of XXXX Please seek maximum damages on my behalf!!

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 2018-07-31
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: Experian Information Solutions Inc.

Complaint:
On my experian credit report there are some inquiries that I did not authorize and that I would like removed and are as follows : 1.XXXX XXXXk / XXXX XXXX 2. XXXX XXXX/ XXXX XXXX 3. XXXX XXXX/ XXXX 4. 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 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.

Complaint:
INVESTIGATION RESULTS - DELETED The disputed item ( s ) was removed from your credit report. 
SYNERPRISE CONSULTING SERVICES # : XXXX**** XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX In response to your dispute, this item was DELETED from your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC

Complaint:
My car was recently deemed a total loss due to an accident on XX/XX/XXXX. Due to hardship, I am about to deliver in XXXX weeks, I am XXXX payments past due XXXX days. My monthly payments are {$410.00} each month until XX/XX/XXXX. The principal amount currently is {$14000.00} with a payoff valid till XX/XX/XXXX of {$17000.00}. 

The check for the total loss pending is {$8000.00}. I am aware I am responsible for the loan. However, the rep at American Credit Acceptance in the total loss department who is supposed to be a supervisor just told me, the check will ONLY go towards the principal amount and NOT cover the past due first, that I am still responsible for the {$410.00} each month for the remainder of the loan ( XX/XX/XXXX ) and there is no renegotiation. 

HOW is this even possible? Why would the past due not be covered first, then applied to the balance, then recalculate the payments with a serious deduction in payments? 

Then I asked if someone had any intentions of calling me once the payoff is posted and she replied no they do not do that. 

No wonder this place has a rating of UNDER XXXX! 

I demand they be looked into. This company is not operating with standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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: AMERICAN EXPRESS COMPANY

Complaint:
I was robbed of all my possessions and my American Express card is one of the items stolen from me. I filed a police report with XXXX Virginia police department. I have contacted American Express in more then one occasion seeking to have all fraudalent charges removed from my account. I have no access to the account online. To this date the account has not been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.

Complaint:
This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed.  Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. Navient is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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 have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no means of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
There are mistakes in my report, please verify or remove immediately :   XXXX   XXXX    XXXX  -  XXXX  > I do n't recognize this account   XXXX    XXXX  > I never paid late   XXXX   XXXX    XXXX  > I never paid late  XXXX   XXXX   XXXX   XXXX  > I never paid late

Company response to consumer: Closed with explanation