hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-07-15
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: DISCOVER BANK

Complaint:
Basically, this is a tandem scam carried out by XXXX and Discover, with the final assessment by XXXX 's team to blame Discover Card for failing to take the corrective action in a fraud case. I would file this as a dual charge if CFPB made it possible. 

With that said, the basic scam is a very common XXXX XXXX  scam, where a seller sends an empty package, or worthless object ( in my case an empty envelope/package ) and this trips the USPS postal system to show that " package was received ''. To the uninitiated, this should be a simple report back to XXXX/XXXX  to report this and that should resolve it. XXXX/XXXX  makes this difficult by making a mandatory waiting period, layers of bureaucratic automation, and forced time spent by the user to resolve the situation. It is my opinion that this is a core part of their business model, and I would assume there are some internals somewhere showing some chunk of their margins come from grinding some percentage of users until they give up on fraud reports. 

With that said, I used Discover Card to dispute the case, in order to avoid this hassle. But Discover went out of its way to also refuse to take even a modicum of common sense, and instead relied on its bureaucratic protocols, which once again stem from the fact that the scammer can show that the package arrived. 

Discover refuses to accept common-sense information, and even with XXXX sending emails that explicitly state that Discover card has wrongly classified my case as " item not received '' rather than their own bureaucratic classification of " item not as described '', it is very clear that after hours of explaining this to all parties by phone and messaging system that they hide behind their own internal procedural mechanisms in order to not once take very basic information into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.

Complaint:
Two things really, I do not deny owing this debt it originated from an employer issuing me a CPAP machine on a loan basis, upon resigning my options were to buy the machine outright for XXXX or return the machine. This company was XXXX by the way. I attempted to find out how to return the machine to XXXX but could n't get the right procedure and since I thought perhaps I needed it I would go ahead and pay the XXXX when I could, or try and reach out to XXXX to set up an arrangement. I receive some written communication from XXXX, perhaps 2-3 letters. Then I get a letter from a representative by the name of XXXX from Lockhart, Morris, and Montgomery collections. Upon talking for awhile, approximately 3 weeks ago maybe the XX/XX/2017 the balance was suddenly XXXX dollars and I could only make two payments in the amount of XXXX. If I understand the law right they can not " Mark up '' or " add a fee '' to collect this. My biggest thing with this case is that after speaking with XXXX XXXX, I was told I would have to sign a contract or promissory note to pay, and I would be emailed this letter. I never received the letter nor any further contact from XXXX XXXX. Today, XX/XX/2017 I was charged in the amount of XXXX overdrawing my account since I had not heard anything further from the firm, I figured either it would wait till next month or she would send me the document I needed to sign before she would charge me. So the law is fuzzy on this but if I am not mistaken, since I was told I had to sign before she could accept this agreement I should not have had money withdrawn essentially without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I sent a dispute straight to XXXX  ( XXXX XXXX XXXX XXXX about late payments they were reporting on XXXX. I sent multiple disputes to the bureaus XXXX, XX/XX/21. I can not get a response from XXXX  via mail. i can not access their online account. i get notice that they sent me an account message that says they will complete my dispute within 24 hours then nothing. Everytime i send over a dispute, they update the information instead of deleting and they have had more than 10 errors in the reporting. I made payments for the months it shows late. They have late payments showing all 3 bureaus at different times. They show in balance history payment being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but then reported i was 120 days late in XX/XX/XXXX with equifax and XXXX and 180 days late at that point with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
There are accounts on my credit report that are inaccurate and not verified.

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 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions This account is showing inaccurate on my credit report.

Company response to consumer: In progress
Consumer complaint received 2017-06-25
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 am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on m y Trans Union ,   XXXX   and   XXXX   credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   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

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 2023-01-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: YSA ARM LLC DBA Oxygen XL

Complaint:
Amount {$1000.00} collection company : Oxygen XL I closed down my business in XXXX XXXX after I closed business, i got notified from the merchant company that a client disputed a charge of {$100.00}. the business was closed all workers left, i couldn't pay that back to the merchant company. 
the merchant company sent my debt to Oxygen XL collection co., i was charged {$1000.00}. 
this is incredible ripped off. 
they also sent to my credit report. the debt was from an LLC, it can't be reported to my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
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 applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and so  XXXX  dont owe   XXXX   XXXX   XXXX   anything.   I never had an account go past due with   XXXX   XXXX   this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or   XXXX    anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.   Ga  XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.

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 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Collection Service, Inc.

Complaint:
This account has continuously been reported by the collection agency XXXX.. The medical bill was payed off and the agency agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC.

Complaint:
I get repeated calls ( more than 5 a day ) from a company that shows up on my Caller I.D . as " NCO Financial Systems ''. Mind you, I signed up with " XXXX '' which intercepts robocalls. NCO Financial Systems ' calls are robocalls, because the phone only rings once, then stops ( this is how you know it 's a robocall ). But these calls from NCO happen all day, several times a day, and it is annoying. The calls start at XXXX XXXX, even on Sundays! I am tired of these calls ; when I try to put them on my " call block '' list, they just call from another number. The latest number they have called from is:XXXX. I just want these calls to stop!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 2022-01-07
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.

Complaint:
on or around XX/XX/2021 I switched phone providers from XXXX  to XXXX. I called XXXX to see balance owed if any. I was told by a XXXX  rep that if i sent in the phone and paid {$150.00} that would end my obligation to XXXX. I did as instructed. return kit sent. mailed phone. paid {$150.00} to the XXXX  rep over the phone.. who stated he worked where returns come to.. verified mine was checked in ... ( XXXX XXXX ) .. transaction complete so I thought.. I discover.. with no warning.. XXXX  contacts a collections agency @ 4 months later saying I owe {$150.00} and reports it to all 3 bureaus. XXXX  has since removed it based on my dispute. XXXX  and XXXX  I cant ( why I dont know ) is not allowing me access to my own credit file to dispute this. XXXX  knows this is fraud. they've done the same to my wife. this matter is paid in full and they have NO credible proof its not. I would like XXXX  to remove this from my credit and if by some miracle the payment i made was lost or stolen i would pay again because this mess caused my credit score to drop a avg of 25 points across the 3 bureaus. my credit score matters to me.. paying {$150.00} twice is hard to accept for me but in the big scheme of things ... regular citizen versus XXXX XXXX corporation.. for me and my family its what im forced to do if collection is removed first. because proving this XXXX cant do

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 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I sent a letter to TransUnion about a month ago to clear up my personal information and havent heard anything back yet.

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 2023-07-27
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: Experian Information Solutions Inc.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-07-28
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:
XXXX, XXXX, and equalifax I have reached out to the credit bureaus about several accounts that are showing up closed but are still reporting to the bureaus. Also total XXXX XXXX  XXXX XXXX  account is paid out with a XXXX balance and still showing I owe a balance of XXXX dollars so I know that the credit bureaus did not do anything with my disputes along with other disputes. 
One of my collections is still showing one agency has my account but the information is not accurate. The account is XXXX XXXX XXXX XXXX  does not own this collection, but still showing that they do. 
XXXX XXXX  I could not pay the rent so I moved due to XXXX XXXX this was back in XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc

Complaint:
I have an account with paypal. went to use it 3 weeks ago and could not log on. Was told there was fraud and so they closed the account and recreated it. Since then I have not been able to logon. Multiple calls and hours spent trying to get help logging on or to close my account and get my money back I keep calling and ask to speak to a supervisor and CAN NOT get my money sent to my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.

Complaint:
XX/XX/XXXX Letter written to Management of XXXX @ XXXX XXXX & NCC Business Services To NCC Business Services : XX/XX/2017 Below is the email I sent to XXXX @ XXXX XXXX. I hear by dispute the validity of this claim in writing and refuse to be bullied into replacing a carpet that should be replaced anyway. The monthly rent should allow for the replacement of the carpet after each tenant. This cheap carpet is designed not to last and the apartment complex counts on that to make each tenant put in new carpet. This way they never have to pay for a cleaning or the carpet. I will not pay this claim. 

To XXXX XXXX : XX/XX/2017 I just received your invoice to replace the carpet in the Apartment I rented for a year. First of all, I noticed pet odor listed on the report. There never was a pet left there unattended and there never has been a pet use that apartment while I occupied it. There had been previous pets, because when I took over the apartment the teeth marks were in the doorway to the bathroom as indicated on my move-in inspection form. Any stains in that carpet were due to the design of the apartment. The trash either goes in the kitchen or the laundry room ( to keep it on the vinyl ), trash bags sometimes leak and the only way to get out of the apartment is across the carpet and out the front door. The stains you see are due to leaking trash bags, not pets. I recommend tiling, vinyl or hardwoods from the kitchen to the front door and it would resolve that issue. I gave my XXXX dollar security deposit upon move in to handle any concerns, but to be honest I expected it back because that apartment was well maintained, and your rent was on time. The quality of the carpet and the design of the apartment made those stains unavoidable, and could have been removed from a professional cleaning ; however, I guess there isnt much motivation to do so since you can just pass an invoice on to the prior tenant for new carpet. You can keep my XXXX security deposit, but I will not be paying for the replacement of the carpet in that apartment. The threat of a collection agency does not scare me, nor does the threat of hurting my credit. I will not be bullied into sending you money that I feel is not warranted. If I am contacted by a collection agency I will resort to social media to expose this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
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: SYNCHRONY FINANCIAL

Complaint:
I was charged more than what I owe. The amount they charged me is XXXX dollars this month on my Paypal Mastercard credit card. My last month due was XXXX on XXXX XXXX. 
My payment of XXXX dollars was returned. They charged me return fees of XXXX but refunded it. 
However they billed me XXXX dollars this month. I have not used this card after XXXX XXXX so this billed amount is wrong. I tried to talk to PayPal but they are not helping me. 

Also they made some fake charges on my account for example XXXX dollars charge. They made this charge serval time

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