hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/2019 I purchased a XXXX XXXX XXXX XXXX XXXX 3 Seater Sofa XXXX from XXXX  XXXX  through their website XXXX under order # XXXX. 

Unfortunately, the sofa I received is defected and is not the correct dimension as advertised and verified by the XXXX XXXX Quality Control Department because the sofa was delivered today with the incorrect dimensions of XXXX vs XXXX, XXXX vs vs XXXX, and XXXX vs XXXX. 

To resolve the problem, I have contacted the merchant without an acceptable response to resolve the issue. Provided the merchant and Capital One all requested information to document the measurements of the sofa being disputed. Enclosed are copies all email communications with the merchant, written email communication from the merchant acknowledging the sofa delivered was defective with the incorrect measurements, receipt for proof purchase detailing the measurements advertised by the merchant, email communication advising the merchant on XX/XX/2019 the sofa is available for inspection and measurement by a XXXX XXXX representative or pickup for return at their discretion. 

Despite providing Capital One sufficient documentation to support the dispute claim under Claim # XXXX, your dispute claim representative has refused to continue my claim process and reapplied the disputed charge to my account for the amount of {$2500.00} on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
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:
I have asked Experian and have mailed my personal information in regards to my information. My name is incorrect. Has several different names on my credit report. I have called and mailed items and still it is not corrected.

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 2019-08-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio Recovery Services has been calling me at least weekly, and sometimes daily or multiple times per day, for more than 10 years, and continued after I changed my phone number in early 2017. I have verbally asked them to remove me from their list on many occasions. I block the number each time they call, but they have taken to location based number spoofing. I traveled to Nevada this weekend, and they just called me from a Nevada number. I've not initiated any business with this company, nor does it appear on any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
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 XXXXXXXX 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 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-12-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd

Complaint:
Hello to whom this may concern, I want to file the following complaint : I started receiving calls from an unknown number that said it was spam in XXXX, my phone auto-rejects spam calls, however this number persisted to call me. I finally answer the call when I notice it's the same exact number that has called various times, upon answering the phone the person tells me they are from " Nationwide Recovery Systems '', I informed them, that I didn't want any calls from them, and that I was sending them a cease and desist letter asking for proof of this debt. I informed the rep that I only wanted correspondence via mail. They continued to try to talk to me, and disregarded my request, so I hung up. I received calls XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Then XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and the XXXX of 2020. I didn't receive a collection letter from this company until XX/XX/XXXX. 
I verbally told them XX/XX/XXXX that I would mail the letter mentioned above. I sent the letter XXXX certified, on XX/XX/XXXX I I reminded them a letter was headed there way when they had called and not to call me. they continued to call me the XXXX, XXXX, XXXX, and XXXX anyway ignoring my request. So I told the rep on the XXXX that I previously had said not to call and had sent a letter. He started arguing with me telling me they had never called. I told him I was going to record the call, because at this point they were harassing me, and violating my rights with this aggressive illegal practice. I had to hang up on him, because he was so rude. I asked if the calls were recorded, and he never answered me. The certified letter was received on the XXXX. I am including screenshots of my call log from this agency and the receipt for the certified letter, I sent to request that they communicate via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC

Complaint:
Westlake financial services I have no knowledge of this account and did authorize for anyone as a co signer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.

Complaint:
Somebody used my information, name and social, to apply for a credit card on XXXX XXXX. The credit inquiry on my XXXX account came from ComenityXXXX XXXX on the above date. I have already filed a dispute with XXXX and have contacted Comenity Bank to have them decline the application and close all that down. According to XXXX, my next step is to file a report with you all and send it in to them. Thank you for any and all help in the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
My personal information ( social security number, birth dates, addresses, and other compromising information that would make it very easy to be a victim of identity theft or be a victim of credit fraud ) may have been compromised as part of the cyberattack on Equifax that was reported on Thursday,  XX/XX/XXXX ( though occurred a couple months prior ). This is absolutely ridiculous considering since there was no way for me to avoid having my information available to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Block, Inc.

Complaint:
I worked on a customers house in XXXX of XXXX. The customer summitted his credit card and said Square charged his card, but Square never released the funds into my bank account. They said there was a dispute and it was resolved in my favor. Square never paid me the amount they said I should receive. At this point Square refuses to discuss the issue with me. They do not respond to my phone calls or emails. The amount in question is {$4600.00}. I have gone after the customer, He says it is out of his hands. Square will not release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have contacted TransUnion multiple times at this point about the inaccurate information held in my consumer report. There are six accounts that are inaccurate as well as 68 inquiries which are all unauthorized and not connected to accounts. This is a blatant violation of my consumer rights and rights to privacy with the furnishing of my information to third party 's without my authorization as well as furnishing accounts without a grand jury judgement or written instruction to furnish said accounts. This is a direct violation of 15 U.S.C.1681b ( 2 ) & 15 U.S.C. 1681n ( b ). I have sent them a notarized affidavit sent via certified mail with return receipt as well as an invoice for the violations they have committed against me.

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 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Equifax is currently reporting an account on my credit that they advised me isnt on my credit. Equifax has not been reporting accurately. Please ensure that this account is deleted from my credit considering equifax has sent letter indicating this account isnt reporting. Ive included a copy of my credit report received from equifax that shows that please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
During my time of XXXX, my identity was exploited and accounts were deceitfully opened in my name causing considerable turmoil and difficulties upon my release. The accounts are as follows : 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 XXXXXXXX Even after my release my credit was still being compromised. I have disputed this with the bureaus and the creditor and I've yet to get any satisfactory results.

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 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.

Complaint:
On XX/XX/2019 a charge was made to my CitiBank credit card ending in XXXX to a company named XXXX. I did not make this charge nor authorize the purchase. I was unaware of this purchase until I received a statement the following billing cycle and my card has a significant change in the balance. I disputed this charge on XXXX XXXX and was credited the amount of the purchase of {$2100.00} as the dispute department agreed with me that the purchase was clearly fraudulent. On my XXXX statement I received a chargeback stating that the paperwork they sent me was never returned. I have proof that the email was sent and CC 'd to myself on XX/XX/2019 when I received it. The documents they provided me from the seller confirmed my suspicions of fraud. The items in question were shipped to another name, email address and phone number other than mine. The package was sent to a second-floor apartment at my address but never received by anyone there as I inhabit both units. The seller admits that the information did not match the credit card and knew the email was not working but decided to ship it anyways. The package was allegedly signed for however there is no signature on file from the shipper and the name captured was not mine and I live alone so there is no possibility of another resident of my home signing. I contacted to check the status the week of XX/XX/2019 to check on the status of the dispute. I was once again assured I would not be responsible for the charges as they were indeed fraud. It was explained to me that they would certainly decide in my favor and would not be responsible for the obviously fraudulent charges. I was told tomato no payments until they made a decision as the only balance on the account was that of this chargeback and the interest incurred. I still have yet to hear back from CitiBank and at this point they are now threatening to send me to collections for the balance. Attached you will find the paperwork that Citibank sent me, and I returned as they instructed. I have taken the liberty to highlight the inconsistencies and errors in the billing paperwork and shipping documents.

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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services

Complaint:
Ed Financial Services and Department of ED XXXX are reporting double accounts for the same amount. One account from Ed Financial for XXXX and the same account being reported by Dep. of ED XXXX for XXXX. And this amount twice/ {$81000.00}, and this amount twice/ {$30000.00}. 

In Essence, I only have one loan with one servicer, but it is being reported to my credit report that I have two servicers, and two loans. Six loans total, which is inaccurate. 
XXXX x XXXX XXXX x XXXX XXXX x XXXX Please have them correct this error as it is negatively affecting my credit score and XXXX, thus causing me to not qualify for much needed loans, and a mortgage I am trying to qualify for. Therefore causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY

Complaint:
My account was closed due to claims I made to be reimbursed for fraudulent activity on my account. Over the XXXX years I banked with Wells Fargo Ive dealt with money coming out of my account unauthorized, Multiple Fees that came out more than once per month, purchases that didnt match what was actually spent etc.

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 2023-01-09
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:
Hi I'm XXXX XXXX I'm a consumer summiting a complaint as a victim of identity theft. XXXX, Equifax. has used and abused my personal information by furnishing my Non public information to other companies. This sharing of my personal information was not disclosed to me in writing. My right to privacy as been violated under the Gramm Leach Bliley Act of 1999. These violation need to be addressed As soon as possible as it has resulted in me being victim of identify theft. I demand all stated accounts be removed from my credit report with in the next 4 days as stated in law under under 15 U.S. Code 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL

Complaint:
I have a TJX Rewards Credit Card with XXXX XXXX. I am preparing to refinance my house and wanted to improve my credit score ( credit score was XXXX ) so I decided to pay off all my store credit cards in XXXX. Unfortunately after making a payment ( {$250.00} ) to pay off the above mentioned account someone fraudulently accessessed my Paypal account and made several charges using my bank debit card. This caused several payments to be returned. I contacted Synchrony baby and explained what was going on and made payment that did process and paid account off in full. 
On XX/XX/XXXX I received a letter dated XX/XX/2018 from Synchrony bank stating my TJX account was closed due to the number of dishonored payments on the account. I immediately called and spoke to several customer service reps till I finally spoke to a supervisor named XXXX. I was told that if my Bank sent a fax stating that the returned payments were not non sufficient funds my account would be reinstated. I was given the fax number to the finance department. On XX/XX/2018 my bank manager sent a fax stating the returned payments werent not my fault because of the fraudulent activity on my bank account. On XX/XX/2018 I called to follow up with my account. My credit score has dropped to XXXX! Synchrony Bank adviced me that they recognize that the returned payments were not my responsibility or fault but will not be reinstating my account even after I did what they asked. So basically I am being double victimized. I was trying to improve my credit score an now its been decreased by over 70 points at no fault of my own. I could have made a minimum payment on my TJX card. I didnt need to pay {$250.00}. This doesnt seem legal. I didnt do anything wrong to have my account closed.

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 2018-05-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC

Complaint:
I recently received a notification from the credit bureau of a collections account from XXXX XXXX XXXX reporting negatively on my credit report. I contacted the collections company to inform them that I never received documentation of this debt and balance was paid in full once left XXXX XXXX XXXX. I have attempted to contact the original debtor but to no avail. XXXX XXXX the address on their file was incorrect and was not their responsibility to obtain correct information once the notice have been mailed once. Lastly, the company recently sent a email with my personal identifying information regarding this debt which they never received my consent. At this time, I am feeling threatened and intimidated to forcefully pay something that is not accurate. I fear for my safety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
In accordance with the fair credit reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK

Complaint:
On XXXX XXXX, 2017 I paid the total amount due to Discover by check accompanied by a letter requesting that the account be closed. The payment was paid before the closing date of the statement. I had {$0.00} worth of purchases. On XXXX XXXX, 2017 they started charging me interest on my {$0.00} purchases and {$0.00} amount balance. I was not looking at that account online anymore because I closed the account. On XXXX XXXX, 2017 they sent me a past due letter saying that I owed them {$120.00}. On XXXX XXXX, 2017 my wife called and spoke with XXXX and she said that they would adjust the amount to {$0.00}. In the mean time Discover kept reporting me delinquent to the credit bureau, making my credit score drop dramatically. XXXX  of Discover did nothing to make my balance {$0.00}. On XXXX XXXX, 2017 my wife called Discover again and spoke with XXXX to adjust the amount. Finally they credited my account to be {$0.00}. My wife also spoke with XXXX and she marked the account closed as of XXXX XXXX, 2017 but refused to back date any of the credit reporting. Because of this I can not get LP gas for my house or a vehicle loan.

Company response to consumer: Closed with non-monetary relief