hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL

Complaint:
I have received an updated letter from XXXX XXXX XXXX in regard to the Synchrony Bank/Paypal account , with an updated balance. Previously I have been disputing the amount of the interest that was reflected on the collection notices without explanation or any statements provided. This interest had been added after the account was charged off, the dispute lasted over 6 months and I have not involved CFPB. During the dispute, Synchrony Bank/Paypal and XXXX cashed half of the checks that I kept sending every month and the other half was not cashed. 
However, XXXX and Synchrony Bank/Paypal in the updated letter increased the balance owed. 
After almost a year of complaints and disputes, the interest of {$400.00} that was charged illegally has finally been removed from the balance owed. 
Now they are showing that the amount paid off to this date is slightly over {$500.00}, how is it possible if their own statement from XX/XX/22 a year back showed a balance paid to date of {$780.00}? Yes, back then it was also showing an interest of {$400.00} as a part of the amount owed and that was reflected in the higher amount owed. Now, after the interest was removed and I made payments along the time they reviewed the dispute, the balance owed decreased drastically. But, no!!! 
I have copies of the cashed checks by Paypal/Synchrony Bank for XX/XX/22, XX/XX/22,XX/XX/22,XX/XX/22,XX/XX/22 all in the amount of {$50.00} which totals {$250.00}, I also mailed 4 other checks but during the previous dispute they were never cashed and I had to stop payment on them. Using the following numbers of the previous statements provided, if the balance owed is {$2500.00} and interest of {$400.00} is taken away, it would make the amount owed {$2100.00} then minus the cashed checks listed above in the amount of {$250.00}, it should bring the amount presently owed to {$1800.00}. It seems they are trying to remove the disputed interest, which they can't explain, from the statement visually but quietly adding it to the amount owed on purpose to collect more. Isn't it a violation of the FDCPA? Please I have reached out multiple times offering to settle this debt, but neither XXXX nor Synchrony Bank/Paypal are cooperative, and there is always that is done to increase the amount owed, missing payments, an interest without proper explanation or statements provided showing how it was calculated, inaccuracies that when I am trying to bring them to their attention or asking to review takes months or responded in formal, ordinary letters saying that no error was found which is exhausting and simply disrespectful, unfair and harassing.

Company response to consumer: In progress
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.

Complaint:
They got my name wrong on my credit card and I was never able to see that account on my mobile phone 's app or online. I didn't get the billing amount for that account. They have. closed my credit card and left two late payment mark on my credit account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Midland Credit bought the debt after XXXX XXXX charged off. They have filed a case even though i told them i never signed with them nor do I owe them. I have the charge off papers from the courts where XXXX XXXX credit card wrote of the debt. 
Now Midland credit opened a case and is threatening to garnish wages and take what little i do have for something not agreed upon with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE

Complaint:
Summer of 2020 i did not receive a statement from a credit card company for XXXX informed the card company they refunded the missed payment fee but reported the missed payment to the credit bureau subsequently my credit rating went from XXXX to XXXX and to this date is only XXXX this was during the height of covid the bank was barkley

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 2022-07-18
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:
I used my Capitol One credit card to book a vacation for myself my daughter and my grandchildren, there was an issue while at the hotel. The hotel has promised me a refund. Credit card company has received evidence that a refund was promised. Credit from merchant or credit card has not been posted to my account. Credit card company is not honoring the refund that was promised to me or helping to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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: Experian Information Solutions Inc.

Complaint:
I have a lot of dates XX/XX/2023. XX/XX/2023, XX/XX/2023, Also I have others thats old to I have them uploaded these are inquiries thats on my credit sesame my XXXX! I didnt apply for anything someone stole my identity!

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 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA

Complaint:
I have to been disputing transactions nonstop with Apple for the past two years. These were fraudulent charges. I have explained to the company multiple times over and over. I was recommended to reach out to you guys to help with this matter. I have been experiencing unknown charges on all credit cards I own. For XXXX my disputes have all go through besides XXXX and Apple. Theyve both been affecting my credit score tremendously. There was a period of time these charges took place. XXXX XXXX XX/XX/2022. I have shown proof to the companies. I do not claim any of these charges and wish for XXXX  and apple to wiped off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint:
I applied for a Chase Freedom credit card on their website on XX/XX/19. Because there is an extended fraud alert on my credit file, it took an additional 8 days to get approved. I was approved on XX/XX/19 with a credit limit of {$2200.00}. I did not receive and activate my card until XX/XX/19. At that time I setup my online account and activating of my free credit monitoring account. 

Shortly after, about 8 days, my card/ was cancelled and the account closed. I did not receive any notification prior to doing that from Chase. I contacted Chase several times and was not given a clear explanation as to why I was approved for an account and then 8 days later it was closed by Chase. 

I received notifications from my credit monitoring apps that there was a closed account added to my credit file by Chase for this credit card that they closed. It caused my credit score to drop substantially.I contacted Chase and also wrote then goodwill letter asking to remove this account, as it was closed without explanation and also only open 8 days. I also explained to them that credit reports every 30 day account info and this account was not open even 14 days to report anything. I advised them that creditors aren't required by law to report borrowers ' account information to the credit bureaus. They replied back that they are with no documentation backing up that claim. 

I also notice conflicting info on each credit bureau report about this Chase account. XXXX  is listing a open date of XX/XX/19 and a close date of XX/XX/19. 
XXXX  is listing an open date of XX/XX/19 with a close date of XX/XX/19. 
XXXX  is listing an open date of XX/XX/19 and a close date of XX/XX/19 As you can see, these dates contradict and do not coincide with the dates that were actually listed as the application, approval, and activation of this account. So I would like Chase to please petition to remove this account from my credit file on all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC

Complaint:
I have student loans with XXXX State University that somehow went to collections when the rest of my loans didn't. I've tried numerous times to contact and speak to someone from XXXX but have had no luck. 

They have sent a balance of {$8500.00} to collections twice. Once with XXXX XXXX XXXX, which I was able to delete off XXXX   and XXXX with the help of XXXX XXXX, but now they sent it to another collections agency Reliant Capital Solutions almost a year later. 

Reliant Capital Solutions has been constantly contacting me over this amount and already sent it to XXXX which dropped my credit score 84 points and causing a huge disruption in my life when i'm trying to buy a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO HARRIS BANK NATIONAL ASSOCIATION

Complaint:
On XX/XX/2023 there were two fraudulent charges on my card. One for {$51.00} showing XXXX and one for {$300.00} showing XXXX. I received a text message from my bank asking if the XXXX charge was me and I replied no. I called the bank and told them neither of those charges were mine and asked to cancel my debit card. I also asked to stop payment and refund the cash bug they told me I needed to wait until it was processed then reach out again. I reached out and was able to get the {$51.00} refunded but the {$300.00} XXXX charge has been more difficult. When I first reached out they asked me if I had a XXXX account and I said yes I do but my card isnt linked to it. This charge isnt on my XXXX account. they said they understood, I get an email a few weeks later and theyre asking me to reach out to XXXX for my money but XXXX couldnt help. At that point I didnt have my card anymore and I have no idea what XXXX account was used when they charged me. Ive been calling and trying to explain to every person who answers at bank of the west and everyone tells me theyre escalating the case or the investigator will reach out to me then I could explain to them big there has been no phone calls or emails. Now I keep hearing that theyre working on it and to call the following week. I call the next week and they tell me the same thing. Seems like every time I call they just tell me to call next week and its been dragging like this for the past month

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 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.

Complaint:
Over the past two years I have been paying monthly payments to XXXX XXXX now Navient through my bank 's bill pay service. These payments have been accepted by Navient using the Navient account number I used to set up my bill pay service up until XX/XX/2017. I learned by phone on XX/XX/2017 that my Navient account was delinquent. I checked my bank account and found that the payment I made on XX/XX/2017 had cleared my bank account with Navient as the payee. I contacted Navient who stated they required a copy of my bank statement showing this debit to the account which I provided and Navient has confirmed its receipt. I was told to wait for their research process. I contacted them today ( 6 days following initial contact ) and found no progress had been made. They suggested something was incorrect with my billpay service. I contacted my billpay service through my bank and confirmed that payments made to my Navient account over the past year had been accepted by Navient to the account number specified. I did learn though that this most recent payment had been returned by Navient to my account with the indication that the account number did not exist. I verified this information again with the bill pay service representative who stated again that was indeed the notation made by Navient. I had not changed any account number on my bill pay service since the time I initially setup the bill pay account. I contacted Navient again this morning who told me the account number I have been paying to for the past several years was not an active account and did not exist. They informed me of a " new '' account number that I have. They stated that this was likely the cause of my returned payment. I have now been charged a delinquent account penalty and have lost the interest and reduction in principal on my account for the past month. Navient acts as if I had never made the payment on XX/XX/XXXX even though it is clearly shown on my bank statement and the funds were removed from my personal checking account on XX/XX/2017. So, how were my payments accepted for the past several months to an account which according to Navient does not exist? And how did I receive this " new '' account number? And finally, can I recoup my lost interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights with an unauthorized inquiry on XX/XX/22. 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 explanation
Consumer complaint received 2023-06-26
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2022-04-12
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:
On XX/XX/XXXX I contacted Experian about the following negative account ; US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-10-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.

Complaint:
I PAID OF MY LOAN, SENT THE PAYMENT VIA XXXX XXXX PNC BANK SIGNED FOR IT. AND TO DATE THEY HAVE NOT CREDITED MY ACCOUNT AND THEY STILL SHOW I AM DUE FOR MY PAYMENT AND THE BALANCE SHOWS UNPAID. I have called PNC bank several times and wait on hold they say for 5 minutes and in 5 minutes the message comes back that they are too busy to talk to me. this is rediculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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: EQUIFAX, INC.

Complaint:
XXXX Account number XXXX ..... In accordance with the fair credit Reporting act XXXX Accounts this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy .... 15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 a late for and purpose. Please remove late payments and update asap please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
XXXX and XXXX was fraudulently charged by merchant " B-Fresh '' Charges that I did not make and refuse to pay for fraud activity on my behalf Addressed with creditor Capital One XX/XX/XXXX and temporary credit was provided and new credit card was sent because of fraud XX/XX/XXXX credited charges were reverted and posted back to my account. The same charges that I did not make. The same fraud charges that Capital One refuses to address and credit back to the consumer. 

I will be cancelling my credit card with them ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX, XXXX and TransUnion credit bureaus and told them that the bank agreed to not report the late payment accounts. I believe XXXX, XXXX and TransUnion are violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. 
XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$28000.00}.

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 2023-05-24
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:
I have contacted the consumer reporting agency several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report this company and they are aware of this. This is aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
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: EQUIFAX, INC.

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
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 to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed below : 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 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 2017-11-06
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: Ad Astra Recovery Services Inc

Complaint:
CRA violation- accounts are inaccurate. 
Not mine, no knowledge of accounts PO number XXXX

Company response to consumer: Closed with explanation