hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-03-01
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: EQUIFAX, INC.

Complaint:
On XX/XX/28 I received an email from XXXX saying I have a new credit inquiry, which I did not recognize, for a XXXX card. I contacted XXXX, XXXX, Equifax to freeze my accounts. In the morning I had XXXX more credit checks from XXXX XXXX and XXXX XXXX  which I did not recognize. I called XXXX  again and this fraudulent person had my account freeze reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/XXXX I received a deposit of {$6000.00} into my Capital One Checkiny Account. 

I have a XXXX XXXX and had a friend help me make the deposit. Capital one insisted that they know who was on the account for deposit and to call the XXXX XXXX XXXX XXXX, where the deposit came from to get a full identification of the depositor. 

I went through 2 weeks of hold and waiting for the funds to clear. I waited on hold for hours to have then connect with the other bank and was told by XXXX XXXX XXXX XXXX that they would not verify the deposit. Capital One would then not release any funds to me even after they said they were closing my account. I asked for a check to be mailed and that has not happened either. I need this money for emergency home repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
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 experienced hardship due to the government shut down that had taken place. I called into XXXX XXXX and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.

Complaint:
To Whom It May Concern Re : Claim # XXXX I'm disputing Chase Bank Claim. JP Morgan Chase Bank allowed a merchant ( XXXX XXXX ) to debited my account using a debit card that was reported lost/stolen. It is obvious that JP Morgan Chase Bank is not taking responsibility for their error. 

On XX/XX/XXXX, I used my debit card ( ending XXXX ) at XXXX XXXX XXXX. They obtained an authorization for {$50.00} deposit. OnXX/XX/XXXX, the {$50.00} deposit was deducted out of my checking account and the authorization code should have gone away. 

According to JP Morgan Chase Bank response to your agency, the merchant ( XXXX XXXX ) used the same authorization code that was obtained back on XX/XX/XXXX, to debit my account for {$670.00} two months later. It is not possible for a merchant to use an old authorization code from two months prior especially after the original amount {$50.00} was debit from my account. It clearly shows on my bank statement XXXX debited my account {$50.00} and at that time that was all they were authorized because my car insurance company was paying the entire rental I could understand if XXXX an authorization code pending but they did not. Chase allowed {$670.00} to be deducted from my checking account fraudulently. 

I recommend Chase Bank take responsibility for their error and credit my checking account the negative balance including all the fees the account incurred. If they don't own up to their mistake I'm prepared to contact an attorney. I've been patient and cooperative with Chase. But I'm getting frustrated and I'm not letting them getting get away with this ' Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC

Complaint:
THIS COMPANY IS WELL KNOW FOR SCAMMING PEOPLE. THEY ARE REQUESTING {$3700.00} FOR XXXX  XXXX XXXX. I HAVEN'T BEEN INVOLVED WITH XXXX FOR MORE THAN 20 YEARS AND NEVER EVER HAD BAD DEBT WITH THEM. DYNAMIC RECOVERY SOLUTIONS IS A HORRIBLE SCAMMER, PULL THEIR INFORMATION FROM XXXX XXXX XXXX, AT LEAST TRY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
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:
Disputed XXXX XXXX XXXX XXXX auto loan that was opened on XX/XX/XXXX. After dispute, credit score dropped 40 points and status of account went from from closed to open in XX/XX/XXXX. This happened again another 4-6 times since XXXX. Initiated another dispute on XX/XX/XXXX and credit score dropped another 56 points as of todays date related to account status changing from closed to open. Over the course of the last 7 months, my score has collectively decreased by greater than 100 points.

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 2022-11-08
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:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2020-11-02
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00}

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 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.

Complaint:
Comenity Bank - Bjs XXXX I have had this card for years and have used it for purchases and zero interest balance transfers multiple times. I always pay my balance in full. When I have an existing zero interest balance transfer I pay my minimum payment plus any new charges on the statement and receive no interest charges. XX/XX/22 statement included a XXXX $ minimum interest charge. I had to communicate twice and threaten legal action to get a XXXX $ refund. XX/XX/22 statement I paid XXXX when my prior statement balance was XXXX. However they applied the payment to new charges and not to prior statement balance and charged me {$5.00} interest, It appears to me that there has been a software change resulting in them overcharging interest to all of their customers. They are aware of this and have made not effort to remediate it. punitive actions would be appropriate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - LAST 4 SS # XXXX XXXX XXXX XXXX LAST XXXX SS # XXXX  I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves

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 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.

Complaint:
On Sunday, XX/XX/XXXX I performed my weekly check of my credit report through XXXX ( see latest report attached ). I was unpleasantly surprised to learn that my credit score had dropped 57 points due to a derogatory remark from National Credit Systems for a {$170.00} debt that does not belong to me. I called NCS ( XXXX ) the next day, XX/XX/XXXX @ XXXX XXXX. The operator was unable to find an account with my social, but put me in contact with an agent that was also unable to retrieve any details that matched what I was seeing on the credit report. I figured maybe NCS realized their mistake and the error was corrected. I decided I'd check the credit report again in a week to see if the remark was dropped. Unfortunately, a week later the misplaced debt was still on my credit. I called NCS again on XX/XX/XXXX @ XXXX XXXX  and had success with the operator XXXX determining the account number of the debt and also the agent Mrs. XXXX responsible for helping me resolve this issue. I called Mrs. XXXX shortly after @ XXXX XXXX as she was unable to immediately answer the phone after being transferred several times by the operator. Mrs. XXXX response was curt as our call lasted all of 5 mins with several minutes spent with her looking at the account details. She informed me that she would mail me a copy of the lease from XXXX XXXX XXXX XXXX in question and be in contact with the client to confirm I did not live there. The real kicker is this " due diligence '' step would take up to 30 days. That's not to say that this will be off my credit report by that time. My main problem with NCS, which is why I decided to file this complaint, is the debt collector should have done their " due diligence '' before they put someone else 's debt on my credit report not after the damage is already done where now this is unfairly impacting my lending opportunities. Furthermore, the age of this account debt is 6 years 4 months. I have received no notices or contacts from the debt collector or the leasing company before I contacted them after this appeared on my credit report. If this type of practice isn't illegal, it should be since this affects people 's livelihoods.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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:
Equifax ; XXXX  and XXXX  should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
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:
On XX/XX/2019 I observed a new account on my Experian credit file under the category of collections, XXXX XXXX collecting on a {$370.00} from XXXX XXXX in relation to an auto accident I was in. This was news to me, as the last time I had seen that bill 's balance it was submitted to XXXX for payment under their auto policy claims department, and they hadn't informed me it was paid or not. I contacted XXXX XXXX. It turned out they had not engaged in improper billing procedures and billed me at an address which I did not live at. Regardless I paid the bill with XXXX in full, contingent that the report entry be removed from my credit report. The XXXX XXXX representative said she would quote " do everything she could to have it removed. '' Well, it has not been removed per our discussion, and my disputes about the improper billing procedure have been initiated with Experian. This is why I am writing to complain, because Experian has all the information they need to remove this account. They know that I did not know of its existence until it was observed on my Experian. They know that XXXX XXXX improperly submitted bills to an address that I did not live at. They know that I had an agreement for this account to be removed. They know I have not been late on any payments, EVER, and yet this account remains. I have disputed it multiple times. Each time Experian waits a day and then takes no action, and just marking the dispute as completed without removing the account. It hasn't been properly handled. It should be removed. My theory is that no one at Experian has read or understood the content of my communications, and that no one at XXXX XXXX has bothered to keep our agreement to remove after I held up my end of the bargain and paid in full. In conclusion this account should never have been in collections. If I had been billed properly at my actual address I would have known it existed, and paid it.

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 2018-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Credit Services, Inc.

Complaint:
I had to call national credit services in XXXX, wa so i could talk to them about the student loan. i told them i think that it might not be mine because i went to XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, not XX/XX/XXXX. i asked to be able to look at the documents so i could see because i remembered seeing the discrepancy years ago. they wouldn't tell me anything about it. they just said that since it was consolotated that they didn ; t have any information on the original. documents. it wan ; t until after they made the payment that they told me that the bill was incurred in XX/XX/XXXX. but they wouldn't tell me anything else and wouldn't email me the information. 
i just want to seee the documents and i want to cal the consolodation company and find out what they have. and i want to make sur e that it was me, so i'm not paying for someone else 's education. 
if it's mine, i'll be fine with it, but i want to make sure. and i was denied that right. 
i feel that i was treated like a subhuman and preyed upon. 
i want justice, i should be able to see the information on the bills that i am paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Recently, I received notification that my credit score had decreased from XXXX to XXXX ( today it went to XXXX ). I was unaware the Capital One opened a credit card in my name and they were reporting that I was delinquent 30 - 60 and now 90 days because I had not paid the annual credit fee of {$59.00} .... not with penalties and late fees it went to {$140.00}. I reported fraud to both Capital One and to the credit reporting companies of this card. Apparently, nearly a year ago there were charges on this card that was reversed because of fraud. I WAS NEVER AWARE OF THIS. 
Ive worked very hard to have an excellent credit score and now in just two months its been ruined ... by no fault of my own. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions

Complaint:
This company has posted a collection account to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.

Complaint:
I recently contacted Diversified Consultants regarding an account listed on my XXXX credit report as a paid collection. The account listed was paid to the original creditor after it was discovered that the original creditor ( XXXX XXXX XXXX ) was sending correspondence to my previous address of service and they had not updated their records to reflect my new service address. I have three separate accounts with the original creditor and have never been late with any payments on these accounts. I was assured by the original creditor that this matter would be resolved but after several attempts through mail and by phone with Diversified Consultants this paid collection still remains on my XXXX credit report. This account is the only blemish on my credit report and i respectfully ask that it be removed as it was paid as agreed upon to the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.

Complaint:
In XX/XX/XXXX which I believe started in XX/XX/XXXX Citi Bank was offering a new account promotion bonus online that expired in XX/XX/XXXX. The amount of the promotional XXXX, XXXX or {$1500.00} according to the amount of deposit. I open the require account on about the XX/XX/XXXX and deposit the required amount on the XX/XX/XXXX in order to qualify for the promotional bonus of $ XXXX.I initiated a call the next few days to confirm that I would qualify for the promotion, and I was told that yes, I was told at that time that after a 21day of the deposit and after 60 days of the require balance remain in my account they would deposit the {$1500.00} in my account. I have met all the requirements to qualify and have spoken to them several times about the date my funds would be deposited. My daughter and I drove XXXX miles to the XXXX XXXX and back to prove my identity so they could correct my social number. I ask again while we were there about the promotion bonus and were told it would be paid in XXXX the XXXX by the cashier. I called Citi on XXXX the XXXX and was told now it would be 21 more days and everything was in order for the amount to be deposited in my account. Now later that afternoon I receive a message from Citi telling me there was no such promotion. So basically, they have kept my funds for over 6 months and now after telling me my promotion bonus would be deposited, they never had this promotion. I was also told that I would receive a complete package with all the information and was never sent.

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