hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: NAVY FEDERAL CREDIT UNION

Complaint:
ISSUE : Request assistance in getting refunded {$420.00} of the full purchase price of $   XXXX  for Web Order Number :  XXXX   XXXX  WATCH  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Part Number :  XXXX .     Attempted to resolve issue directly with  XXXX  on multiple occasions from  XXXX   XXXX   XXXX . Then sought resolution by submitting request to open an investigation   XXXX   XXXX   XXXX  with credit card issue r (   See Attached FILE  XXXX  ). Credit Card issuer applied a temporary credit back to my account on  XXXX   XXXX   XXXX .  Below  is the last reply to credit card issuer in response to correspondence informing of action from response from  XXXX   ( See Attached FILE  XXXX  ).     NAVY FEDERAL CREDIT UNION Credit Card Chargeback and Resolution   XXXX   XXXX    XXXX   XXXX , VA  XXXX   RE : NFCU Correspondence Cre dit Card  Dispute  with  XXXX   Online  dated  XXXX   XXXX ,  XXXX  Request an extension to suspense to reply to keep case open stated o n NFCU correspondence referenced on subject line. I have returned from a trip to Florida and today opened the NFCU correspondence with a suspense t o respond by  XXXX   XXXX ,  XXXX .     Based on the evidence provided and  NFCU  correspondence dated  XXXX   XXXX ,  XXXX , I had no expectation of receiving any other action regarding this case and quite surprised o f NFCU r esponse to remove the temporary credit.      XXXX   Response  :  Dated   XXXX   XXXX ,  XXXX , states The customer also received credit in the amount of {$50.00} for the  XXXX  + for the original watch to the original form of tender. Also stated There is no record of the customer returning the  XXXX  Watch  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  Ny.      Rebuttal  : Evidence presented is self-evident clearly showing that both of these statements are false. I have provided invoice evidence that I have paid twice for the same  XXXX   XXXX   XXXX   Watch.  Simple question for  XXXX  is to show where I have been reimbursed for the remainder of the  Online Credit  {$470.00} minus the {$50.00}  (  which was refunded correctly to original tender ) of {$420.00}.     The evidence provided shows clear and unmistakable error by  XXXX  for non-refund of a returned  XXXX  product in accordance with  XXXX  Sales and Refund Terms and Conditions listed under  XXXX  tandard Return Policy  XXXX  Watch Returns.      My expectation is for  NFCU t o fairly act, based on the preponderance of facts provided, to make temporary credit final to fully reimburse my account for the returned  XXXX  product. If this action is not resolved based on the evidence provided I will seek resolution from the   Consumer Finance Protection Bureau ( CFPB ).
Your assist  ance in this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC

Complaint:
I received a phone call and letter in the mail ( dated XX/XX/21 ) from Cedars Business Services. They state that I owe {$1700.00} from XXXX credit, however I do not have a credit card or account with XXXX. I contacted XXXX, and there is no record of me having an account with them. I have not contacted Cedars Business Services, as this is a fraudulent debt collection attempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC

Complaint:
I spoke with XXXX XXXX XXXX, a Debt Collector on XX/XX/XXXX about this account listed on my Credit Report. They said that the Creditor was XXXX. I informed them that I do not have and never had a XXXX Account. They said for me to call XXXX. I call XXXX on XX/XX/XXXX, they transferred me around, and finally the lady ask for my Social Security Number. I  said no I will not give you my Social Security Number, she informed me that she could not look up any information without my Social Security Number. So she said, you would have to dispute it to the Credit Reporting Companies and they would call they to get more information. I tried disputing it with them on XX/XX/XXXX, I was only able to dispute with XXXX XXXX XXXX, on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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 accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
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 XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
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 an account without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30
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:
I am writing to dispute  XXXX   XXXX  #  XXXX  on cr edit report number  XXXX  The balance listed on the account is incorrect. Please delete the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
On XXXX XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple address that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 45 days I review my updated credit report and notice that XXXX and Equifax did not update my address and also did not remove the inaccurate addresses, so I am now, taking the extra step, because I really these addresses off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.

Complaint:
I received a call XXXX XXXX on Tuesday XX/XX/2018 they lady was very rude and wanted information I was not comfortable giving and after I asked 3 times to not call me and only communicate with me through mail or email she said no we will just call back later then and hung up. She also kept saying how are you going to pay and this is the 3rd collection agency for this debt which is not true

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
This is an update to XXXX-XXXX  about USAA and XXXX-XXXX about USAA. 

The company ( usaa ) never gave it back as ordered by the president and ceo ( XXXX ) XXXX XXXX, or the XXXX ( XXXX ) that never belonged to them. 

Attached is a current update if the account ledger. They shuffled numbers around and erased and added some new stuff either way it is fraudulent and they still owe me the funds as reported to you. This is an update of the reports on USAA the two instances where they owe me XXXX. And later XXXX. 


It was never given back to me even after I was emailed and called and told that it would be given back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: JPMORGAN CHASE & CO.

Complaint:
On XXXX XXXX XXXX I was charged {$2100.00} on my Chase Card ending in XXXX from a merchant labeled as " XXXX. '' I did not recognize the charge and called Chase to initiate a dispute when I saw the charge. Ovever the past 18 months, Chase has refused to intiiate a dispute or explain to me why this is allegedly a valid charge. I have even had to contact the head of Chase, XXXX XXXX XXXX, about this issue. He has not responded to any of my emails. I have called the number on the back of my credit card numerous times and every agent has advised that they can not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I had a bankruptcy from well over several years ago and its still impacting my credit.

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 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK

Complaint:
The company Discover closed my account with no real warning through mail and I am worried it may harm my credit score even tho it is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.

Complaint:
A collection agency called The Bureaus Inc. put a collection on my credit that is not mine. It is fraud. They never informed me that they were putting anything on my credit. They just did it. I have asked them to remove this fraud and they refuse to do so. This agency is not legal or bonded to collect in my state. They are in violation of the Texas Finance Code

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
I have disputed this account with XXXX  three times and nothing has been sent to me proving the validation of this account. It has been over 120 days since the first letter was sent i send a new one each 30 days and still no response. 
I have also disputed with both XXXX and Experian and they still fail to provide me with adequate information or documentation of validation of this account. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IMMEDIATELY as all of these companies are violating my rights and refusing to help solve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY

Complaint:
Hello, I had a wellsfargo checking account from XXXX when I closed my account. During that time I had a large amount of overdraft fees, sometimes multiple in a day, despite having enough money in the account at the time the bank authorized the transaction. I called and called and tried to get them taken off with no success. Removed overdraft protection. Still got overdrafts. I cant even count how many I had over the span of 8 years. They would take the transactions in different orders in order to get the most overdraft fees. Eventually I got a management person on the phone to explain how I was over drafting in XXXX when I opted out of overdraft protection when I opened the account in XXXX and they said they still allow authorizations through without enrolling in overdraft protection for my convenience. Ultimately I was able to get that person to make a change to my account that would not allow any transaction to go through above my balance. After 8 years I finally got what I specifically requested when I opened the account in XXXX. I closed my account months later after hearing about wellsfargo having diversity interviews with people of XXXX for jobs that were already filled. Wellsfargo has atrocious business practices.

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 2021-01-13
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:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2019-12-16
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:
Experian has not properly investigated the item below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX XXXX  XXXX XXXX not mine

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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-06-26
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:
On XX/XX/2019 I submitted a complaint to XXXX that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from XXXX stating that I was in derferment/forebearance. XXXX  rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The XXXX rep I spoke to ( XXXX XXXX ) stated that XXXX is not required to follow FTC advisories. I have attached the email correspondences along with my statement from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021

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 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.

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 2018-07-12
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: SYNCHRONY FINANCIAL

Complaint:
I have multiple inquiries from XXXX XXXX showing on my Credit report and I have tried multiple times to have them removed. I have been given the run around no one ever responds and the Credit agencies request I contact synchrony for a letter of deletion. 


Inquires date : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/walmart XX/XX/XXXX ( promised by rep after preapproval that i wouldn't get a hard inquiry on 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 2022-09-22
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 disputed the inaccurate account and they keep verifying that it is accurate when all actuality it is not. This account should be closed and should have a zero balance. This account was transferred to another servicer. The attached reports were all ran on XXXX. I want this account removed immediately per FCRA 15 USC 1681e ( b ) : Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The credit bureaus and XXXX are both reporting inaccurate information and i want the account removed from all consumer reporting agencies and files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
My XXXX XXXX auto loan is reporting to credit bureau saying that I was 30 days past due back in XXXX of 2020. I have bank account statements saying I paid the monthly bill in full in XXXX of 2020. This negative credit item is affecting me with buying my first home. I have disputed this with XXXX  XXXX and the 3 credit bureau but they will not change it to the correct information. Equifax has the information right but the other two bureaus do not have the information correct. I feel like I am getting bullied by XXXX XXXX and the credit bureaus. Every time I call they do not care and give me hard time every time. Its very frustrating. Now by law im going to use my rights. The bureau 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 states a consume reporting agency can not furnish a account without my written instructions. 

Since the credit bureaus and XXXXXXXX XXXX do not want abide by the law hopefully this will make my credit report accurate.

Company response to consumer: Closed with explanation