hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc

Complaint:
On XX/XX/2020, I opened Dispute ID XXXX with the fraud department in which I disputed three transactions that were unauthorized. These three transactions included a single purchase from XXXX in the amount of XXXX and two transactions at XXXX  for {$14.00} and {$360.00}. The unauthorized purchases were made on XX/XX/2020. The last valid 9authorized ) purchase before the disputed transaction was at XXXX for {$6.00} and this also occurred on XX/XX/2020. 
On XX/XX/2020, Chime closed dispute without justifying why. Also, on this day, I requested additional documentation showing why Dispute ID XXXX was denied. On XX/XX/2020 I received the additional documentation and it stated that : 1. As per Documents we received card was lost. 
2. With valid card present transaction from ( XXXX XXXX XXXX XXXX XXXX, XXXX, TXUS transaction id : XXXX ) after the last disputed which isnt part of the dispute while the card reported lost. 
3. The approximate travel time from valid card present location ( XXXX XXXX XXXX, XXXX, TX XXXX, XXXX  ) to disputed location ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX  ) is 22 minutes away from each other. 
4. No fraud alert captured by the system. 
I then contacted Chime by email and phone to submit a rebuttal. In my rebuttal I stated that although the transaction for XXXX XXXX XXXX XXXX  XXXX posted on XX/XX/2020, I physically used the card to make the {$6.00} purchase the day before and I believe I lost it soon after, probably while I was at XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2020, I get an email stating that my claim for Dispute ID XXXX was denied once again for the following reason ( s ) : Base on the dispute form provided, disputed XXXX was lost/stolen. 
Upon investigation, a valid card present transaction happened after the disputed transaction. 
We determine that the disputed transaction is within your vicinity. 
No fraud alert/indication captured by the system. 
No declined transaction/s after the last disputed transaction. 
I insist that the purchase at XXXX XXXX XXXX XXXX XXXX was made on XX/XX/2020 and not on XX/XX/2020 as my credit account has it listed. NO VALID TRANSACTIONS happened after the disputed transactions and my claim was not handled properly. I believe that my claim, Dispute ID XXXX, should have been approved and refunded to my account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.

Complaint:
On XX/XX/XXXX, I reached out to Great Lakes to request a refund of a payment in the amount of {$16000.00} which had been remitted XX/XX/XXXX. The representative advised that there was a backlog due to the XXXX loan forgiveness announcement and that it would take 30-45 days to process. On XX/XX/XXXX ( 44 days later ) after not seeing any activity on my Great Lakes account nor a deposit to my bank account, I called to follow up. The representative said that she could see where I called in, yet there was no refund request on my account. She promptly submitted another refund request but was unable to provide any receipt or confirmation. She then advised that the new timeline to process was 60-75 days. This is causing an unacceptable burden that has financial implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA

Complaint:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hard Inquiries.... I recently bought and paid cash for 2 cars at two different dealerships ; XXXX XXXX and XXXX XXXX. For whatever reason, they still had to do what they called a SOFT credit check which would not disturb my credit rating. These 2 soft credit checks do not appear on my XXXX report, but they do appear as HARD inquiries on my TransUnion report. They should not show on TransUnion and I would like them removed. Please help. Thank you! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX last 4 digits of SS # : 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 2017-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Performant Financial Corporation

Complaint:
In XXXX XXXX, my loan had been serviced by XXXX I sent information to renew XXXX about 6 times. They claimed they never got it, and then they told me that income information had to be on my copmany 's letterhead, in a postmarked envelope. The day I sent them the information, they placed my loan in default and placed it with collections. They told me there was nothing they could do, and I would have to make 9 payments to have it rehabilitated. 

It was placed with Performant Recovery. I made direct-debit payment arrangements with them to deduct {$51.00} per month from my checking account. The payments were made, but at the end of 9 months, there was no word from Performant. I tried contacting them and all that happens is I get put through to leave a voice mail with someone, but no one calls me back. I get mailed notifications every month, addressed to my home address, so I know that the company has my contact information. 

Each month the auto-draft check is made out to XXXX XXXX XXXX XXXX XXXX XXXX Account. I have copies of the checks and the backs of the checks where these have been cashed. To date, there have been 44 checks auto-drafted. 

XXXX ( Federal Student Aid ) shows my loan to be in default, with the servicer as XXXX the lender as XXXX XXXX XXXX XXXX XXXX XXXX, and the current guaranty agency as XXXX XXXX XXXX XXXX XXXX XXXX. 

I contacted XXXX. They state that they do not have my loan and that XXXX XXXX has it. I contacted XXXX XXXX, and they state they do not have it, that Performant has it. I contact Performant and most times no one calls me back. On the one occasion that someone did contact me, they left a voicemail on my phone with a phone number that only sent me to their voicemail. I left a message, and no one called back. This is a continuous loop that has happened over the 4 year period of time. 

I want my loans out of collections, and I want them out of default. I have included uploads of various canceled checks. My bank goes back 18 months online, but the consecutive numbering of the checks can be seen along with who they are made out to and the stamps on the back where they have been cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Commonwealth Financial Systems, Inc.

Complaint:
My XXXX old mother received a phone call from this agency less than a week after my father was buried. The company representative scared my mother mentioning liens against her farm, credit reports, etc. My mother shared that this man 's tone and approach scared her and was very disturbing to her. I called the company and found this individual to be very callous. His lack of basic human decency is beyond pale. Trying to scare an XXXX XXXX XXXX widow out of {$500.00} ( contested debt that my father cleared with the company and yet could not get them to clear in " their systems '' ) is abhorrent. Our father and mother have always paid what they have owed- my father has only contested XXXX things in his life and stood on principle regarding companies trying to collect what is not fairly owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LendingPoint Holdings LLC

Complaint:
I XXXX XXXX entered into a consumer credit transaction with LendingPoint/ XXXX XXXX on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 use 1605 defines a finance charge as the sum of all charges in a consumer credit Transaction. The Finance charge does not include cash, but XXXX XXXX/ Lending Point took cash and monthly cash payment which is equivalent to a comparable cash transaction. 

Congress stated if I go and get a " loan '' and there is a finance charge involved, because I used my credit card, which is defined my social according to 15 USC 1602 ( i ) ; to do a consumer credit transaction, I'm not suppose to owe anything more than whatever the finance charge is. Whatever the finance charge is in connection to a consumer credit transaction should be the sum of all charges. There should be XXXX cash included. The charges should all be together, according to Congress. It is inseparable to the extension of credit. 

15 usc 1605 also states that the finance charge does not include charges of ANY type payable in comparable cash transaction. Being that monthly payments are being made/or have been made that is in fact a comparable cash transaction. 

Examples of charges which are included in a finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount or other system or additional charges. The 32.99 % interest listed in Exhibit A is in fact false and misleading because It is suppose to be included in the finance charge. 

XXXX LendingPoint also failed to provide or conspicuously disclose, my right to rescind. Which is in fact is a violation of subchapter 15 use 1635 ( a ) - Right of Recission as to certain transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.

Complaint:
On XX/XX/2019 I visited XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, IL. I was assisted by the XXXX, General Manager, of that location. I purchased a display piece with required XXXX to provide a purchase price which was {$120.00} before tax and {$130.00} after taxes. I attempted to use my XXXX credit card and was told that the transaction was unable to be processed, which was unacceptably odd seeing how I was approved for {$4300.00} only few days prior. At that point I provided my XXXX and completed the transaction. Once I received my statement from the XXXX XXXX the following month the charge for {$130.00} was on the statement. I phoned and spoke with XXXX at the XXXX which I purchased the display from and I was told that I would receive and check for the {$130.00} in 3-4 business days. After two weeks of waiting I phoned and I was told to call Comenity Bank twice, and I was told to send in receipts and letter explaining the issue. I sent letter and receipts to no avail. At this point I'm thoroughly convinced that The XXXX and Comenity are refusing to refund the {$130.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19
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 have tried continuously to resolve the following errors and misinformation on my report with these agencies, but they have ignored my requests and have caused me a great deal of XXXX I have missed out on employment, housing, and loan opportunities due to their neglect. 
I submitted all the necessary information for them to block the fraudulent XXXX  XXXX account that is showing. I have sent in the FTC report, Affidavit, cover letter and everything else they needed and they still wont block this fraudulent account even after it clearly shows that an account was opened in my name, but my XXXX  misspelled my name.

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 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have been a capital one customer since XXXX & since about XXXX I have been kept at a credit limit of {$1700.00}. I have submitted multiple requests for a limit increase twice a year since XXXX & have always been denied with no real explanation, other than insufficient use of card. So then I've used the card more & have paid the full amount off, only to be denied due to my account not being eligible at this time. Which makes no sense. I pay {$39.00} dollars a year for this card & can't reap the rewards of it. It's a scam! At this point, I am extremely dissatisfied with the way this company has dealt with me & I don't use that card anymore. I applied for a credit limit increase again today but I have no hope at this point. I would like to either, have them increase my limit or offer me an upgrade option. I would not like to close this account since it is my oldest account & this would affect my credit score which is currently XXXX. Seems like capital one is stealing from me! since I can't make up the {$39.00} a year in rewards & it seems purposely calculated by the company, which is not fair. I have {$20000.00}, {$15000.00} & {$13000.00} in credit limits on other cards, which I manage very well & have never had issues with late payments. Also, most of their customer service employees are extremely rude, have offered absolutely no help or real explanation & have even hung up on me in the past. I am submitting this complaint because it is clear that capital one is taking advantage of my yearly payment & capping me off at a low limit of {$1700.00}. Essentially only capital one gains from me. They get more from the annual fee than I can ever get in rewards. Seems pretty calculated & more like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.

Complaint:
I discovered this new account on my collections report and this information is incorrect! This college continues to sell this negative account to different debt collectors giving my PII to random companies and I do not owe this debt! this is my second time disputing this same information and I will be seeking legal action for fraudulent charges. I do not owe this college any money I withdrew the correct way I returned all materials and I have never stepped foot into any of their classrooms this is a fraudulent charge and I refuse to pay or have this negative information reported on my credit report. I demand a written contract with information that states I attended and owe this college AND this collection money with verifiable proof ie, dates and contract with my signed signature this is a violation of the FCRA and I demand to have this negative information removed my report. Dated XX/XX/2019

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 2021-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc

Complaint:
My account was suspended without warning or notice for transferring money from my investment account at XXXX to my checking account with Chime bank. They demanded that I provide proof that the money was legitimate using statements from gusto and XXXX despite the fact that all of the initial investment was deposited to XXXX  from Chime and I have direct deposit from my employer connected to Chime. They have the full statements showing where the money came from but elected to suspend my account for 7 days with no notice. There is no phone number to call only an email with almost entirely automated responses. It wasnt until I complained on XXXX that they reached out to me to resolve the issue. They then sent an email on the prior Wednesday saying that my account would be reinstated in two days. Ive heard no response and am still unable to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.

Complaint:
Ok, I submitted a complaint with the CPFB about a month ago and got a response from Navient to call them at XXXX and then when I spoke to them, passed on the response given through the CFPB stating I was eligible for a XXXX interest rate and a lower payment of {$250.00} a month. The rep stated they have no record of this and attempted to transfer me to some escalation department, which was a law office. I have had it with being lied to! I explained, this was a response directly from Navient stating I would be FINALLY taken care of and yet I get mislead again! Not only did they deny offering me this, they stated the garnishment would NOT be lifted and this {$250.00} would be over and above the garnishment. I was garnished on loans that were NOT mine, could not fight them in court because some snake fake law group who were actually collectors, filed papers with a local court stating I was served properly, I never was served, now Ive been garnished for over 2 years and continue to have money taken for loans that were taken out in my name, but were never authorized by me! I want this stopped and I am sick of being lied to by this Navient group who passes this around and never takes responsibility for these illegal actions!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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: EQUIFAX, INC.

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX account number # XXXX has violated My rights 15 USC 1681 Section 602 States I have the 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 payment on a credit card account under al open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
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 am writing you today hoping someone here can help me because I haven't gotten any help, response, in regards to the validation or compliance of accounts which are negatively effecting me and reporting to my credit. This is causing me stress daily including any situation where I am penalized for these unverified items reporting to my credit. The accounts that have been effecting me because of the disregard to compliance and validation are, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, I AM BEGGING YOU TO DELETE THIS SO I CAN LEAD A NORMAL LIFE WHERE I AM NOT JUDGED BY THESE INCORRECT AND INVALIDATED ACCOUNTS ON MY 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 non-monetary relief
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/22 someone applied for an XXXX XXXX  card and balance transfers through Bank of America with my information. I dont bank with Bank of America and did not apply for this credit card. I was notified by XXXX of a new hard I quiet so I logged in and discovered this. I have reported it to XXXX and to Bank of America and want to be able to have the hard inquiry removed from my credit report as I am currently working hard to repair my credit.

Company response to consumer: Closed with non-monetary relief