hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2016-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paypal Holdings, Inc

Complaint:
PayPal continuously contacted XXXX XXXX about a debt before XXXX as well as informed her of an amount and what actions they are going to take against me. I am understanding that they continue to communicate with her even after she stated she wishes to no longer be contacted. I have never used her information with PayPal. She is simply a family friend who I sent money to, without issues or incidents, using PayPal services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint:
CHASE BANK has serious security breaches and has repeatedly allowed fraudulent withdrawals from four different checking accounts. 

In XXXX, my driver 's license was stolen and used by someone in the XXXX ( XXXX XXXX in XXXX ) to withdraw money from my checking account. That original account was closed by CHASE and a new one opened. Despite " alerts '' Chase claims it put into my account information, the new account was also robbed, so a third account was opened, and the same thing happened. The total funds fraudulently withdrawn from three different branches in the XXXX amounted to {$6000.00}. This money was eventually refunded when my claim was validated. 

HOWEVER, the story continues. In XXXX, a friend died and as co-executor of her estate, the other executor and I opened an ESTATE ACCOUNT in the dead woman 's name at Chase, to be used ONLY for distributing the funds to her beneficiaries. In XXXX, XXXX, someone obtained the number of that account and fraudulently withdrew {$1900.00} from yet another Chase branch in the XXXX, forging my signature on a withdrawal slip. This was their only ID, since I had cancelled the ATM card after the first robbery. 

It is shocking to me that someone at CHASE is providing numbers of NEW ACCOUNTS to thieves. What can your agency do about this horrifying breach of security?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-03
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: EQUIFAX, INC.

Complaint:
id theft. new inquiries are not mine as folllows XXXX equifax mtg XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
UNAUTHORIZE INQUIRIES THAT DONT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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:
Wrong personal information on my credit file. I have followed all protocol to get this matter resolved. Remove the incorrect names off my credit file. I have send in documents to this bureau several times and the incorrect name is still on my credit file. This is fraudulent activity. Misspellings and wrong last name on my profile

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 2019-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.

Complaint:
I opened a Checking and Savings account on XX/XX/19 for {$400.00} bonus + {$100.00} bonus for 2 direct deposit. I opened on the phone with the consumer representative. After the account was successful open, I deposit the funds required immediately on the phone with the rep. CitiBank purposely delayed my funding and claims, I did not meet the requirement. I didn't wait at all and gave the representative all the information and funds required for CitiBank to process the funding. I left the funds in there for the required amount of days but CitiBank refuse to pay out the bonus while I am earning almost 0 % APR if I were to leave the required money at other banks. I chatted with Citibank and was hoping to get the issues resolved but they did not honor their part of the promotion. Here is the terms and conditions of the promotion. 

Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of  opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK

Complaint:
First Tennessee Bank allowed a series of fraudulent deposits to be made by The Tennessee Department Of Labor. XXXX XXXX XXXX XXXX did not report their tax ID number to the Tennessee Clearing House. Taxes was n't being paid on me. XXXX XXXX did not report my date of hire, the date I was laid off or my buy date to the department of labor. XXXX XXXX pulled my employee records & got this information to me. The amount I was suppose to be paid was n't reported to the department of labor in the state of Tennessee. First Tennessee Bank allowed employees with the department of labor to create checks in my name. Their routing number is on the checks. First Tennessee Bank tried to delete the images to keep me quite. The employees offset the deposits using the bank deposit slips. I filed a medical malpractice law sue in XXXX. In XXXX when I began with my depositions. I happened to be under wage earner. The wage Warner attorney reported my law sue as workman 's compensation. All of my records became public, without my knowledge. Of course XXXX XXXX told me what happened. The malpractice attorney asked for XXXX dollars. I guess the citizens in XXXX thought they hit the lottery. The XXXX Family took Complete advantage of the Government. They changed the buy date to XX/XX/XXXX to steal additional monies from the government. XXXX XXXX insured a series of people. XXXX XXXX  was the agent that added a different number at the end of account number. The account number was XXXX XXXX XXXX. People paid for car warranties to service cars. XX/XX/XXXX $ XXXX-spp in XXXX -car warranty XXXX. People had services sigh XXXX XXXX XXXX with code names to identify each other. This is organized crime. XXXX XXXX  participated in this. Transaction from Tennessee department of labor. TN UI Payments XX/XX/XXXX-XXXX & XX/XX/XXXX-XXXX. This money did n't belong to me to be disbursed in the manner it was disbursed. XXXX XXXX XXXX bills was being paid that did n't belong to me. On XX/XX/XXXX-acount number XXXX was paid. The amount paid was {$360.00}. This was n't my account number before First Tennessee Bank took my home at XXXX XXXX XXXX. XXXX TN XXXX. Different mortgages was paid to XXXX XXXX XXXX with Government funds. Using my social security number & drivers license. On XX/XX/XXXX a complete XXXX bill was paid. The ref # is XXXX. A series of XXXX bills was paid. XXXX payments was made to steal XXXX XXXX XXXX  insurance, XXXX, & accident. Different people used my insuran e. Everything has been taken from me with the bank help. When I reported everyone deleted information, rather than admit you failed to notify me of the fraudulent activity. Checks was being used with my account numberXX/XX/XXXXXXXX amount {$90.00}. check number, XX/XX/XXXX-XXXX- {$10.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc.

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2020-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have written letters toXX/XX/XXXX and TRANSUNION in compliance with the CRA on XX/XX/2020, again on XX/XX/2020, and on XX/XX/2020. 
They have failed to remove information that was affiliated with personal details that were challenged in the past, along with none verification from the collection agency XXXX XXXX XXXX ) Acct # XXXX I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2015-06-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.

Complaint:
I am a co-signor on my daughter 's student loans. She fell 60 days behind XX/XX/2014 due to a job change. She & I contacted Navient on XXXX/XXXX/14 and spoke to a rep named XXXX. During the conversation he told us that if she gave her checking account information for the payments & make on-time payments in the subsequent 2 months, the negative report to the credit bureau would be removed. My daughter agreed and XXXX reconfigured the loans into a retroactive forbearance as we watched the account on line. My daughter has made the payments on time since then from her checking acct. The negative report is still on hers & my credit reports. When I contacted Navient they simply responded that the information reported is accurate & no corrections are warranted. Is it acceptable to lie about rescinding the credit report to us and make a retroactive forbearance on the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED / XXXX XXXX XXXX XXXX, XXXX DEPT OF ED / XXXX XXXX XXXX XXXX, XXXX DEPT OF ED / XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc

Complaint:
I was notified by HUNTER WARFIELD debt collectors out of XXXX FLORIDA that i owe a debt. I denied that i owe a debt and requested evidence of debt. 
They sent me documents with no explanation of what the paperwork represented or how it proved I owe and am responsible for anything they are attempting to collect. I requested if they report this false information to credit bureaus to indicate that i dispute the debt and that is what they did. The credit agencies are refusing to remove the derogatory, false, and unsubstantiated debt HUNTER WARFIELD is attempting to collect. I have no relation to and owe nothing to hunter warfield and they have provided no explanation or evidence that i owe anything. 

Please investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint:
arg will not provide me with a hipa transcript with what their billing me for if i dont get this i will file lawsuit against XXXX  XXXX  unless they provide me with my hipa transcript

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ability Recovery Services, LLC

Complaint:
XXXX XXXX XXXX XXXX, an affiliate of Ability Recovery Services, has been soliciting a payment from me relating to a medical bill I paid last year.I called them and was not given any information relating to the bill or why I was being contacted by this third party. The person on the phone told me they were aware the call was being recorded then told me I was breaking the law by recording it.The representative then told me that I had said that I was refusing to pay the bill, which I did not do, and that they would be reporting me to the authorities for this infraction.This is a total scam, these people have bought my information with the expressed intention of intimidating me into paying a fraudulent debt.I cannot believe companies are allowed to put their names on paper and operate with impunity.I am writing my senator about this.I hope action is taken.

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 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company

Complaint:
On X/XX/2017 I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as incorrect names on the bill. Only my name should be on the bill as is shown on my written contract. I provided a copy of my contract and details of their errors and received a response from XXXX XXXX in writing on X/XX/2017 clearly stating that everything is correct and notification that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract and immediate cancellation prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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:
AS XX/XX/XXXX I HAVE NOTICE FRAUDULENT INQUIRES IT IS NOW XX/XX/XXXX THE 3 CREDIT BUREAS AND THE COMPANIES LOSTED BELOW TOOK MORE THAN 45 days to respond according to the " FAIR CARES ACT '' ALL COMPANIES INVOLVED ARE NOW VIOLATING THE LAW! 
REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY BEFORE I HAVE TO MAKE LAW SUIT!!!! 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Phone number By mail only ( tel : MAIL % XXXX ) XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXXXXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2020-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY

Complaint:
On XX/XX/XXXX, I changed my XXXX payment process to auto-pay, and sucessfully paid the due amount of {$130.00}. Since XX/XX/XXXX, I was certain the auto had been set-up correctly. I never received any notice of an overdue payment, until XXXX reported a 30 day late to the credit bureau in XX/XX/2020. I never received any emails, phone calls or a letter/bill in the mail stating a previous months payment had not been received. I was never informed of any outstanding amount overdue from a previous month. My payment record with XXXX was excellent, and I would have made a manual payment sooner if XXXX would have contacted me. On XX/XX/XXXX, when I discovered the issue while looking at my credit as I prepared for my house purchase, I made an immediate manual payment of the total amount due for that month and the upcoming month totalling {$180.00}. When I tried to explain that I had no knowledge that I was behind on a payment, and that the auto-pay had been sucessful, XXXX did not want to hear it, and said it was all my fault. I was in disbelief and continued to contact XXXX in an effort to provide clear proof that there was no effort from XXXX to bring this to my attention, All my efforts were dismissed. On XX/XX/XXXX, I paid off the account in total for {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation