hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/2022, I saw 3 fraudulent transactions on my banking app totaling an amount of {$360.00}. I reported them right away to my bank and they locked my card and sent out a new one. When these purchases were made, I was in possession of my physical card, but the transactions made were via XXXX XXXX and were in-person transactions. I filed a claim with the bank to get that money back since those purchases were not made by me. They denied my claim, stating that the purchases were made in my direct vicinity, using my card, and can not be disputed. I then took screen-shots of the transaction history on my XXXX XXXX showing that although the fraudulent purchases showed up on my banking app, they were not on my XXXX XXXX  transaction history because the purchases were never made using my device. Someone else added my card to their XXXX XXXX  and made in-person transactions from their phone. I re-submitted the claim after denial with supporting evidence of the screenshots of my XXXX XXXX  just to have them deny it again and tell me to get into contact with the merchants. I contacted the merchants, and was given information about the transactions such as transaction IDs and register numbers, and was advised to file a police report. Once I filed the police report, the detective in charge found XXXX footage of the exact register number and at the same time, the transactions showed up on my banking app. The suspect was a male and I am female. There is no way these purchases were made by me. As of now, the investigation is still underway to track down the suspect. I informed the bank of all of this information and was told " once we deny a claim, it is unlikely for us to look at further comments on that claim '', basically telling me to forget about the {$360.00} that I didn't spend. All of this happened over the course of 3 months, and I have made multiple phone calls to the bank, detectives, and merchants. The bank has given me the run-around since day 1 and refuses to listen. I now have to file a complaint with this bank, because this is the 3rd card that has been compromised from the same bank. I have had 2 additional credit cards, between my husband and I, from the same bank with fraudulent charges that have had to be locked and replaced and it was very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX -XXXX XXXX XXXX it was reported through cfpb, it was taken off on credit report, not the others, I was n't my debt in the beginning I ask for the original bill they only sent a piece of the bill, the address and everything was incorrect, I ask to pay a percentage to take off even though it was n't mine, they refuse I ask that it be investigated and delete to all reporting bearu

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 2021-07-30
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:
TRANSUNION has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administer of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information without my consent or signature for fee. 

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 USC 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure. 
I would like the CFPB to HELP me get TRANSUNION to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 USC 1983, as this is a complete misrepresentation of facts. 
I do not validate any of the negative information on my report nor do i consent to TRANSUNION furnishing such information to third parties for a fee. 

All the negative items and all hard inquiries are to be removed immediately from my report. A truth of Affidavit has been sent to TRANSUNION with an invoice for the 9 violations that I have found. I am seeking Civil Liability pursuant to 15USC 1640 of {$1000.00} per violation which totals up to {$9000.00} that TRANSUNION is in violation of.

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 2021-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.

Complaint:
I had 5 items in medical collections. I called to settle a pay in full and was promised a letter would be sent to me advising the collections were taken care of 3-5 business days. I have yet to receive the letter and when I call, I am now been told that it can take 30+ days for them to issue the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX in XXXX has submitted a second collection agency to report against my credit report to all three credit bureaus with capio partners llc agency for {$4000.00} this isn't the only time that a collection agency that has tried to report a collection for the same bill from XXXX XXXX XXXX. XXXX XXXX XXXX agency I had to dispute with on XX/XX/XXXX for the same bill. 
In which I disputed with all credit bureaus for it is identity theft for my brother XXXX XXXX has used my name in crime sprees with credit card fraud and hospital bills. XXXX XXXX XXXX XXXX has continued to harassment continuously since then

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Midland Funding Llc Opened XX/XX/2018 - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Midland Funding Llc Opened XX/XX/2018 - I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Good day! 

This narrative letter is a complain I am filing against Capital One Bank Checking Account.

I deposited two checks on XX/XX/2022 to my bank account which is the Capital One Bank. 
One check is from auto insurance ( XXXX amount is {$3600.00} ) and the second is auto insurance ( XXXX amount is {$2800.00} ) Unfortunately Capital One Bank froze my account on XX/XX/2022 that I cant able to access.For some reason that the check wasnt written under my name but under my customers name. I been trying to call them to fix my account however they mention it takes 60-90 days to fix for them and 90 days is over already. 
And now they mention that they need a HOLD HARMLESS FORM from the auto insurance company I been calling capital one bank that XXXX XXXX doesnt issue that form cause the money has go through already. 
And now I am truly mad and frustrated this kind of management they have. 
Please help me cause that was ourBREAD AND BUTTER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I recently pulled my credit and noticed that XXXX XXXX XXXX is reporting a debts on my credit file that I no longer owe or have a balance. XXXX XXXX XXXX is still reporting an active balances. Also, they are double reporting with XXXX. XXXX. I've done some research and per the FCRA regulations listed on their site, it is a violation for two companies to report the same debt on my credit report. I am requesting XXXX XXXX XXXX to remove this debt off my credit file XXXX XXXX XXXX Account # XXXX - XXXX XXXX. XXXX Accounts # 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 2023-06-22
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: TRUIST FINANCIAL CORPORATION

Complaint:
Unauthorized inquiry, fraudulent/identity theft!

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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation

Complaint:
XXXXXXXX XXXX - HOMEDEPOT CONSUMER CARD REPORTED TWO LATE PAYMENTS WHEN I PAID CARD IN FULL IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C. 1681 SECTION 602 SAYS 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 REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 U.S.C 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/XXXX, I was contacted by individuals who were claiming to be employees of XXXX XXXX. They were offering me a remote position for a XXXX XXXX XXXX. They explained to me that I would need certain items for my remote work station, and that they would be sending me money for equipment. 
On XX/XX/XXXX, I received my first check of {$990.00}. 
On XX/XX/XXXX, I deposited that money into my bank. 
On XX/XX/XXXX, I sent the money via XXXX to what I was told was a " Company Approved Vendor '' that was going to be sending me my equipment. 
Also on XX/XX/XXXX, I received a second check for {$950.00}. 
On XX/XX/XXXX, I deposited the money into my account but the funds didn't hit until XX/XX/XXXX. 
On XX/XX/XXXX, I sent the money via XXXX to another " Company Approved Vendor '' for equipment. 
Later on XX/XX/XXXX, both the checks for {$990.00} and {$950.00} were charged back to my account, and it was evident that I was a victim of a very elaborate scam that lasted over a week. 
The people involved were impersonating real employees of XXXX XXXX, which I ended up contacting and they confirmed it was not them that I was talking to. 

When I woke up on XX/XX/XXXX seeing both checks bounced back, I immediately contacted my bank, Bank of America, and filed a complaint on both the checks and XXXX transfers that were a part of the scam. Last week, I was notified that I would not be receiving funds back from the check chargebacks, even though I have given them physical proof of the email conversations of the scammers and the actual employees of XXXX XXXX that confirmed it was not them I was speaking to. 

Below I will attach 4 documents ; The fake email conversation with scammers pretending to be : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX are via email while XXXX XXXX is via XXXX XXXX. 
Also, I will attach a conversation with the real XXXX XXXX on XXXX, with her confirming that it was not her in the XXXX XXXX conversation. 
Also, I will attach the checks that I want a refund from that I mention in the resolution section.

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 2020-01-21
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: EQUIFAX, INC.

Complaint:
On XX/XX/XXXX. I sent in a dispute into Equifax at the address of record ; XXXX. XXXX XXXX, XXXX, GA XXXX. The tracking number for this dispute is : XXXX. 
The letter was received on XX/XX/XXXX at XXXX and was signed by XXXX XXXX According to the F.C.R.A. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Equifax has 30 days respond to the dispute beginning on the day the letter is received. It is now XX/XX/XXXX and I have yet to receive a response from Equifax regarding the results of my dispute. I contacted Equifax at XXXX PST and originally spoke with XXXX XXXX , when I stated the nature of my call and demanded that the incorrect information be removed from my report based on the law as mandated by the FCRA XXXX the agent hung up on me at approximately XXXX PST. I immediately called back and spoke with another agent XXXX, ID # : XXXX. XXXX says that they did not receive my letter until XX/XX/XXXX. Which is factually inaccurate as I have proof that the letter was indeed delivered and signed for on XX/XX/XXXX at XXXX. She also specified that XXXX XXXX XXXX responded to them on XX/XX/XXXX - which is still more than 30 days after receipt of my letter. After getting nowhere with XXXX, I requested to speak to a supervisor. The supervisor XXXX ID # : XXXX regurgitated the same inaccurate information. When I recited a portion of the FCRA, he stated that Equifax has its own internal policies. In response, I asked if Equifax was violating the law. He replied that Equifax is following the law and refused to remove the disputed information. 

The letter that was sent was itemized. There were eight accounts in this dispute and they should be updated accordingly. 
XXXX XXXX XXXX XXXX - removed US Department of Education ( 4 accounts ) - removed XXXX XXXX XXXX - removed XXXX XXXX XXXX XXXX - late payments removed XXXX XXXX XXXX. - removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CARD Corporation

Complaint:
Im not even trying to open any account and for some reason I got two similar random texts about a card number and then I had a debit card sent to my house today. Im afraid its happening again and Im getting worried someone is trying to steal my identity and mess up my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC

Complaint:
I have been disputing the alleged debt with Dynamic Recovery Solutions since XX/XX/XXXX. I have asked on three separate occasions ( XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ) for them to validate the debt and they respond by sending me a bill. Not once have they provided me with validation, yet they continue to send me settlement offers and call demanding payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint:
Three of my personal accounts, three of my credit cards, three of my business checking accounts, overall 10 of my accounts have been closed by chase with no reason given. They have also locked my online account and do not allow me to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX

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 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I was looking through my credit profile on XX/XX/XXXX and trying to get my credit back in good standing. I noticed to inaccurate things that were fraud and never authorized by me. I got 2 hard inquiry XX/XX/XXXX by XXXX XXXX and one from XXXX XX/XX/XXXX. I never requested these cards/loans or did any type of business with them on that day that my score needed to be ran.

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 2018-04-19
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: Experian Information Solutions Inc.

Complaint:
I have repeatedly notified the Credit Bureaus about an inaccurate collection account listed on my report. I have sent in documents showing the listing is invalid and inaccurate, however, the CB still refuses to remove the account in spite of the evidence provided. 
XXXX XXXX XXXX has listed a collection debt on my report for {$5000.00}, however, they are unable to provide me with a ledger showing that amount is owed. They did send a copy of my lease and a screen shot of a ledger balance " owed '', but nothing that describes the charges or the amounts allegedly owed. I've asked repeatedly for these from both the collection agency and the CB reporting the account- neither have provided any additional information. 
I feel as though I am being treated unfairly. Both the collection agency and the CB have a legal obligation to provide accurate information. If they can not do that, they can not legally list the information on my credit 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