hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2015-09-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc.

Complaint:
To Whom It May Concern : I was the victim of a car accident XX/XX/XXXX and I kept receiving the same bills regarding my visit to the XXXX XXXX XXXX ( XXXX ). I wanted to wait until the settlement was complete before I paid it off. I also wanted to make sure no new bill were or would be issued before settling the person 's insurance. Therefore, my XXXX bills were understandably taken to collections ( AllianceOne ), but I explained to them the situation and I paid off all the bill regarding my XXXX bills by XX/XX/XXXX to the collection agency on behalf of XXXX XXXX XXXX. I confirmed by phone multiple time ( XXXX times ) with the hospital that my account had been XXXX out. My attorney also confirmed that these were the only bill that I had or will have regarding this incident. On XX/XX/XXXX I received a call from AllianceOne trying to collect a bill from that I have never was issued. They said they received this bill on XX/XX/XXXX ; almost 1.5 years after my accident. And after my attorney and I had taken measures to make sure all my bills pertaining to the incident were resolved. I tried to dispute this bill with XXXX XXXX XXXX, so they took it out of collections, but they never resolved it. I was consistently corresponding to them for about 1.5 months. I even had my attorney tell them that we had asked for all the bills pertaining to the incident. They stopped corresponding to me for about 1.5 months. On XX/XX/XXXX this started up again. This time I asked for a " verification notice, '' detailing terms in which the clients has asked. I have not received any such letters. I has been over 5 business days. I also got a " print screen '' version of my " new bill '' which they claim I have been receiving since last year, but there would be no reason for me to not receive these bills if I had been receiving the other bills before. I have been trying to file dispute with XXXX XXXX XXXX again as there are items which are duplicated including items that I have already paid for and new items for treatment I did not receive. The patient billing manager refuses to try to respond to my requests. I tried to schedule an appointment with her, but there has been no response. I have filed a compliant with the hospital online and in-person, but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY

Complaint:
I called Wells Fargo to have a something called a " cash back '' rewards program removed from my online banking account. I believe the HTML coding is stealing money and funds are leaving my account unnoticed. I called Wells Fargo in the past to have this rewards program removed and they have refused to removed the coding. All of the transactions in my online banking account are all out of order.

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 2020-11-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.

Complaint:
I have paid this debt off for a lesser amount. They are refusing to provide a delete letter to the credit bureaus. They stated they were advised by the CFPB not to do this. I have this conversation recorded stating this!! Now, they are refusing to speak to me or the credit bureaus to fix my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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:
On my Transunion consumer report I have 3 inquiries that I have no knowledge of the first being 1. XXXX XXXX dated XX/XX/XXXX 2.XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX date XX/XX/XXXX On my XXXX  I have three also that I have no knowledge of which are 1. XXXX XXXX dated XX/XX/XXXX 2. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XX/XX/XXXX I am contacted you to ensure these unknown inquiries be removed as I have contacted Transunion and XXXX  also with written identity theft affidavits Also there was an account opened with XXXX XXXX XXXX XXXX that I have no knowledge off also in which I've asked to not have furnished to my consumer report

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 2023-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint:
I have an issue with IRS deposit, my IRS refund was supposed to be deposited in my chase checking account XXXX but it was mistakenly deposited into somelse account at chase XXXXI have tried for XXXX good months to explain to the bank that they were supposed to reject a refund that does not belong to the account holder.Per the law chase bank was supposed to reject a refund that doesnt match with the account .Chase bank has failed to do that and has refused to refund me my money. 

During refund time many people face wrong account deposit by the rules sets for banks they had to monitor such account and reject it if possible .Chase is reliable to send me my full refund of {$5200.00} Chase has 4 days to issue a refund, otherwise I will seek personal financial injury lawsuit for financial distress this bank has caused me Chase has refused to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on GRANT & WEBER INC. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureau investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the lists of the erroneous account reporting on my Credit Report : GRANT & WEBER INC 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 2020-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED XXXX 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY

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 2023-01-20
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; CAPITAL XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 2022-06-09
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 XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company 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 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK

Complaint:
discover blocked my card during the corona epidemic request a 4506t form which i promptly filled out and they still have me blocked, i did another one for XXXX 3 days ago and they already got it back and i did discover 3 weeks ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.

Complaint:
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by CITI BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.

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 2017-09-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP

Complaint:
i was granted unemployment and was told i had to usethis bank to get my benefits. i saved {$220.00} from prev biweekly claim to pay my rent. on XX/XX/XXXX XXXX XXXX my benefits hit for {$680.00} bringing my balance to {$900.00}. At XXXX XXXX on the way to my job i stopped at XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX pa XXXX and used gas pump the zip code control was n't working so i had to use my pin #. at XXXX i used the card at XXXX XXXX on XXXX XXXX XXXX in XXXX pa heading to XXXX pa where my new job is.on my lunch break i went and purchased lunch at XXXX XXXX on XXXX XXXX in XXXX Pa. From XXXX XXXX to XXXX est i was on the clock at work as a bill collector. at XXXX XXXX i received a text message that my funds went from {$870.00} to {$7.00} stating i just used card at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX nj for {$200.00} {$100.00} {$100.00} {$100.00} {$100.00} {$10000.00} {$10000.00} ans {$42.00} all withing 2 minutes. i immediately texted help and was given XXXX to call and make a complaint. I called advised them i only have one card and how could this have happened.They faxed me dispute form to my job XXXX fax # i filed out form and sent one page letter faxed back from my job with my job letter head about how i was a victim of fraud and needed help. Once i was notified 2 days later that the claim was put in the rep advised me no police report was needed because i had no clue who done this to me.i also advised the rep i could have my hr department fax my hours down to the minutes and they stated it wouldnt help my claim.i called daily for help because now im 2 months behind on my mortage .different reps refused to put manager on line just kept telling me after 10 days the funds will be back on the card. I still called everyday anyway to hear everything was fine just give them the 10 business days.after the 10 day i called and advised manager that the money didnt hit she told me it will hit by XXXX XXXX on XX/XX/XXXX when money didnt hit i called and demanded a manager. I was then told my claim was ruled as not a mistake and the claim was dropped. I begged for help and was told it was nothing they could do just wait for the paperwork of how they came to the result. please i need help

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 monetary relief
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
While I was living in  XXXX  with my family  serving as    XXXX   someone opened a   XXXX   XXXX   account in my name. I found out from my local credit union years later. I never received any account or statements. I was out of the country. I did an ID theft affidavit, had it signed by a police officer and filed with my local police dept. I also sent all the information to   XXXX   XXXX   XXXX  . They then recently sent me three statements from   XXXX   XXXX   saying it was my account. It lists an address in a city I 've never lived. The address is more information than I 've ever had.  XXXX    XXXX   would n't talk to me about the account because I could n't confirm " details '' about it, yet they report it on my credit report. I ca n't possibly answer questions about an account I do n't have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
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:
This is in addition to complaint ID XXXX I am a natural person. I am a living, human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed, because according to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. I have been fighting this debt forever, as it is not mine. I have made numerous attempts to understand the inexplicable pattern of so many inquiries one after the other the same day, the same lender, repeatedly within a month but, what I can't seem to understand is how the top companies in the world couldn't flag such activities on my account but worse than that you couldn't even contact me to make sure it wasn't an error. I repeatedly try to look for answers and explanations from you and was led to believe without even questioning its legitimacy. I'm a VICTIM of XXXX DATA breach in XXXX. I have rights as a victim. 
XXXX XXXX XXXX Acct # XXXX Bal {$2000.00}, XXXX XXXX XXXX I Acct # XXXX XXXX {$19000.00}, XXXX XXXX XXXX I Acct # XXXX, XXXX XXXX Acct # XXXX Bal {$1500.00}, XXXX XXXX Acct # XXXX Bal {$1700.00}, XXXX XXXX XXXXXXXX # XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC

Complaint:
I received several calls from this company, Direct Recovery Services claiming to take " legal action '' against me. After speaking to a rep named " XXXX '' I told her I did n't want to discuss this and I terminated the call and she immediately called me back telling me that she needed to verify who I was and needed more information. I advised her that she was not allowed to call me back after I hung up on her because she was with a third party collection agency. She kept stating she needed to verify the info, I advised her that I would submit a complaint and she did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
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:
late XXXX, XXXX, equifax had removed XXXX information from my credit report. Upon checking my credit report 30 days later, equifax placed it back without anything in writing. i have called and have been told there is a system issue and they claimed they removed it again in XXXX XXXX i called again and wrote letters in XX/XX/XXXX and I have been given negative answers from the system is down to the information was verified with no method of verification in writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
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: GreenSky, LLC

Complaint:
Filed a report with the ftc and also XXXX police department because accounts aren't mine and have yet to respond to my disputes made to them and the credit bureaus or remove the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
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: Experian Information Solutions 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 XXXX  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  XXXX and Experian 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company 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