hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY

Complaint:
XXXX XXXX, a consumer and natural person, was denied credit by American Express when I applied for a Credit increase of {$90000.00} on Account Ending : XXXX and received an email stating my credit limit has been reduced to {$7800.00}. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

American Express is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was XXXX  against by American Express due to the response I received. American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued and was reduced. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 

If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX / [ XXXX/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.

Complaint:
I have been trying to resolve issues with chase bank collections team taking more than I agreed to. 

I dont have a phone plan because Im homeless, due to an accident I recently XXXX XXXX XXXX XXXX XXXX XXXX I was told by chase on XXXX I can use the XXXX  app to resolve this. And they dont ever follow up. They get the messages, they say theyll reply, and they dont. One person told me go into a branch, I went in and was as to leave because I smell! Im homeless, of course I smell! I cant help it!! 


Chase has stopped any reply to my messages!! I need help!!!! They are going to run the clock out and Im going to get hit with another round of late fees. They have already cost me {$60.00} dollars in returned check fees with my other bank and Im sick of this! Nobody has stepped in to help to accommodate my XXXX. 

I missed my payment on my plan in XXXX because i only had enough money for paying my last day of rent. In XX/XX/XXXX I joined a new payment plan. 
The total it gave me was {$320.00} for the missed XXXX payment plus the late fee and the new payment amount for XXXX. I was only given this option to pay this amount, so I scheduled a payment of it. There was only {$320.00} in that account. Chase collections took out {$120.00} dollars and then tried to take the {$320.00}. No where did I schedule a {$120.00} dollar payment. I got {$60.00} in returned check fees from my bank because they tried to take that {$320.00} twice. Why were these charges taken separately? It would be like collecting the missed payment in XXXX and then two payments for XXXX! 

I have been trying to resolve this and they never reply! I dont have a phone and XXXX XXXX XXXX XXXX! Going into the bank is not an option for me, I need correspondence in email because last time I was in the bank they treated me like XXXX because Im homeless and they kick me out. Look at the screenshot, I only scheduled ONE payment of {$320.00}. I have no notifications or emails saying anything about {$120.00} They have not accommodated my XXXX in spite of requesting one, they discriminate against me for being homeless, and they are not answering me. They will then charge me more fees because they say its all late when I have tried for over a week to get this resolved!!! They are already costing me money! 

When I do get a reply, they tell me they sent into the collections team and that team never answers! I was supposed to get a reply 5 days ago. Nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Financial Services, Inc.

Complaint:
In XX/XX/XXXX I discovered a issue with my credit report. I noticed there were some accounts reflecting on my report that did not belong to me. I disputed the inaccurate information and notified the credit bureau and the collectors that I was a victim of identity theft. I filed a identity theft report with the consumer financial protection bureau ( XXXX ) as well filed a police report with my local XXXX department on XX/XX/2018 ( police report # XXXX ). I sent out a letter to the credit bureau providing them with the necessary information. The reason for my compliant is to report XXXX. They are continuing to report inaccurate information on an account that does not belong to me. Other bureau 's ( XXXX, XXXX   ) has deleted this information yet XXXX is non compliant. I have requested this information to be removed from my report immediately. It has been well over a month with no response from XXXX. 
The accounts are as follows : Creditor ( since the last time I filed the report they have since removed their name from the report. 
Account # XXXX This account was filed in the identity theft report and is still reporting inaccurate. This account does not belong to me. I am victim of identity theft.Please remove immediately Also account XXXX XXXX is also being inaccurately report on my XXXX report XXXX XXXX Account # XXXX This account was filed in the identity theft report and is still reporting inaccurate. This account does not belong to me. 
Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: First Associates Loan Servicing LLC

Complaint:
I found out from a letter sent to me for collection of a debt by XXXX XXXX XXXX in the amount of {$18000.00} on behalf of XXXX XXXX XXXX XXXX for a student loan I never authorized or knew about made by XXXX XXXX XXXX. If ANY Personal loan was taken or entered into by XXXX XXXX on my behalf I did not authorize the loan, was not aware of ANY loan or told about such a transaction and it would be fraudulent and WITHOUT my consent, I need am trying to get this loan removed or discharged and have not recieved response from XXXX. I have disputed this fraudulent loan with XXXX, I have filed a police report with our local Police Dept for identity theft. Please help me to get this fraudulent account closed and removed from my credit report. I can send a copy of the police report and letters sent to the collection agency and XXXX if needed. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX XXXX XXXX XXXX and tell them the debt is the result of 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 non-monetary relief
Consumer complaint received 2023-03-02
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 Account # 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$460.00}.

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 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my instructions and permission. They do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP

Complaint:
Never heard of XXXX XXXX XXXX. Got a statement for {$0.00} in the mail today with a {$24000.00} credit limit. They say the account has been opened since 1989. They don't show any users or company owners listed but they will not cancel the card. There is no balance, no users, and no cards. They want personal information such as SS # and birthdays, etc. to add someone to the account in order to close 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 explanation
Consumer complaint received 2019-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates

Complaint:
On XX/XX/XXXX I received a letter from Credit Bureau Associates of Georgia ( CBA ) dated XXXX XX/XX/XXXX. This was for a medical service for XX/XX/XXXX. The letter states to notify the office within 30 days ( XX/XX/XXXX ) to dispute the validity of this debt of {$110.00}. 

That same day after receiving the letter from CBA I paid the original creditor the {$110.00} and received a receipt from the original creditor were I received medical service in XXXX. That same day XX/XX/XXXX, I write a letter to CBA stating the debt was paid to the original creditor and I attached a receipt of payment. I then state to please respond within 10 business days to request that the debt was settled with the original creditor. 

A month goes by and I received a letter from CBA on XXXX XX/XX/XXXX dated XXXX XX/XX/XXXX. The letter states that I still owe the debt and returned my original letters back to me including the receipt. CBA also included in my letter an original receipt of payment from the original creditor showing that they I the patient paid the original creditor on XXXX XXXX the {$110.00} which was highlighted by CBA. 


Since CBA has the receipt from the medical billing department that I satisfied the payment with the original creditor, why would CBA still send me a letter stating I currently owe {$110.00}? 


I then call the original creditor at XXXX and ask to speak with the billing department. I then explain the situation and she states that she will call them to settle the confusion as she showed that I paid the account on XXXX XXXX on her end. She then tells me that she would call me back once CBA has confirmation from the billing department that the account is settled with the original creditor. She later calls me back and states the account is settled with CBA as they now know my account was paid with the billing department of the original creditor.

Today I check my credit reports and CBA placed a {$110.00} paid account on my credit report XX/XX/XXXXFrom the original letter that was sent from CBA the 30 day notification was not honored as I paid the original creditor and mailed receipt of payment to CBA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA

Complaint:
I have two separate issues with my application for Public Service Loan Forgiveness ( PSLF ) that I have made Mohela aware of on several occasions, but neither has been resolved, and the application has been in " processing '' for many months. 

First, Mohela is erroneously saying that my employment is " not certified '' for all my loan payments between XX/XX/XXXX and XX/XX/XXXX, despite clear proof that I have been employed at the same 501 ( c ) ( 3 ) nonprofit organization since XXXX of XXXX. The attached individual payment summary shows the " Employment Not Certified '' status for all loans between XX/XX/XXXX and XX/XX/XXXX ( see pp. 9-15 ), while the attached Employment Certification Form ( from XX/XX/XXXX ) shows that I was employed continuously at the same organization between XXXX of XXXX and XX/XX/XXXX. I have brought this problem to Mohela 's attention multiple times by phone and written correspondence, and have waited many months for it to be resolved, but nothing has happened. 

Second, although I made monthly payments to XXXX throughout XXXX and XXXX on my consolidation loans ( see attached " XXXX XXXX Payment '' spreadsheet ), Mohela has not given me credit for any payments on these loans ( identified as " 1 DL Consolidation Unsubsidized '' and " 2 DL Consolidation Subsidized '' ) between XX/XX/XXXX and XX/XX/XXXX ( see individual payment summary pp. 63-69 ). Again, I have made Mohela aware of this issue, provided them with the relevant information, and have sent them the XXXX XXXX XXXX summary, but they have not resolved the issue despite many months of waiting. 

I am eligible for PSLF now and want to complain about Mohela 's inattention to these simple, easily resolvable issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK

Complaint:
I have been a customer of this credit card company for a long time. I have made purchases with the card, and have been making payments. The interest rate on my purchases is 10.99 %. I did a Balance Transfer recently, at an interest rate of 6.99 %. 

When I make my monthly payment, it is being applied to the Balance Transfer amount at 6.99 %. My oldest transactions are 10.99 %, and are not having the payment applied to it. 

When I make a payment, it should be applied to the oldest transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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 urge you to remove this loan from my report as soon as possible. I am taking all necessary steps to report this fraud and I hope that your company will cooperate with me in resolving this matter quickly and efficiently. It is important for me to maintain a clean credit report as I rely on my credit for important financial decisions. I have always been diligent in my financial affairs and I hope that your company will respect my efforts to maintain my credit score.

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 2019-02-03
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: Credit Karma, LLC

Complaint:
I just wanted to start building my credit. I applied for credit cards and I always get declined. Someone told me go on credit karma and to check my credit score. While Im looking on XXXX XXXX its abunch of hard inquiries and things I had no part of. Its things in my name and I had no idea. I dont own a home. I dont own a car. These things is stopping me from owning anything at this point an thats not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC

Complaint:
Sequim Asset Solutions calls me multiple times a week ( using a different number each time so that I am unable to block ) with the exact same recorded message ( a robot call I believe - which does not contain my name nor his ). The message states that he is attempting to collect a debt which does not belong to me. I have no debts. I believe this to be harassing and the constant phone calls interfere with both my personal and professional life. These annoying automated calls should be illegal. I am currently seeking actions so that these calls stop ASAP. Please contact them and urge them to stop using these harassing methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Moiharwin Diverisfied Corporation

Complaint:
This company contacted me XX/XX/21 at XXXX from XXXX ( XXXX ) XXXX. The representative addressed me by my first name and did not verify any information before disclosing any potential debt. She stated she is calling about the debt owed to XXXX XXXX XXXX XXXX Nevada. I stated that I owe no such debt and to mail a verification letter to my mailing address. The representative accused me of owing the debt and stated the debt has been verified. I disconnected the call. 
This representative is pursuing me for a debt I 1 ) do not owe and 2 ) didnt have my complete identity to disclose the nature of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.

Complaint:
I called Citi on XX/XX/2020 for my Premiere Card, considering to close it. The Rep persuaded me to switch to Reward Card, and I can transfer my approximate XXXX points to the new card. 

I told the Rep that I would to use the points to book a flight very soon, and I can use the 25 % extra travel bonus for purchasing the flight, I want to make sure that I do not lose it by transferring it. I emphasized it that I do not want to lose it, so the Rep put me on hold to double check it, coming back to reassure me that as long as I use it in 14 days, the 25 % travel bonus will still apply. With that promise to me, she switched it using the same credit card account number. 

On XX/XX/2020, I wanted to book the flight, I was surprised to find that I lost the 25 % travel bonus by switching it. I started calling/live chat Citi, every time I called them, I had to repeat the same story, and then being transferred here and there. I started faxing Citi letters and proofs. I told them that the phone conversation was recorded on XX/XX/20 ' ( XXXX XXXX  PST for 41 minutes ), the Rep misled me, I wanted Citi to fix it. 

I may lose more or all benefit with time restriction, and I need to book the flight now, I asked if they can call/email/fax me their responses, but they only sent me letters, which usually took a week. They would not even faxed me the letter before mailing out. 
Per their request, I had recently faxed them the Premiere Card 's Directory of Service to show the 25 % travel bonus and a statement with my name on it. I got the response today basically saying that nothing was wrong, if I still have the dispute, call them! 

So more than a month had passed, I still could not resolve the dispute. I started wondering if Citi wants to delay it until I lose all points? If I exceed the time restriction not using the points, I could forfeit all points. Citi never mentioned the recorded phone conversation in their response to me, even if I asked them to listen to it more than once ; so, the recording is only used it in their favor? when it is not, then just ignore 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 2023-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY

Complaint:
I have reached out to Wells Fargo to get a better understanding of how this loan was structured, to better understand why the loan amount wasn't reducing after XXXX  years of payments. I have paid XXXX of a XXXX loan and they still have me owing XXXX, this have the appearance of of a predictor lending practice. I have inquired about the loan with their representivies and receiving no positive results. I have ask them to sent me a copy of the contract, because my copy was lost in our storage container. I don't remember the total amount of the Car minus my trade in, however the interest rate was supposed to be fixed at XXXX XXXX. I don't understand how they are making their calculations on this loan agreement, and this is why i need your assistance.

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