hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 response to consumer: In progress
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint:
Loan servicer : FedLoan Servicing At the end of XXXX I called Fed Loan Servicing at XXXX to request a {$20000.00} refund for payments I made during the Covid pause. They informed my request was accepted and I should receive the refund in a form of a check or directly deposited back to my bank within 3-8 weeks. 

On XX/XX/XXXX I called and spoke to a second agent to told me my request was still visible and I should be getting the refund soon. I checked Fed Loan 's webiste and it still shows my loans are paid off and have not be returend. 

On XX/XX/XXXX I called to check the status and ask if I needed to submit another request. They said no, they are still waiting for things to be processed. 

As of today, XX/XX/XXXX I would like to have my refund expedited so I can proceed with the loan foregiveness application. Please let me know when I should expect to receive an update on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.

Complaint:
I have reported to ALLY numerous times concerning false information. ALLY has failed to provide proof of the information they are reporting as a debt

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 2021-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
In early XXXX, 2020 I contacted Bank of America ( BOA ) Customer Service by phone regarding a Monthly Maintenance Fee of {$12.00}. that was charged to my account XXXX times for a total of {$60.00}. The Customer Service rep refunded me {$36.00}. and {$24.00} on XX/XX/2020. She told me I need to have a balance of {$1500.00}. in the account to avoid further Monthly Service Fees. On XX/XX/2020 I transferred {$800.00}. into the account bringing the total balance in the account to {$1500.00}. In early XXXX I contacted Customer Service and them I wascharged twice again for for {$12.00}. each tototalling XXXX On XX/XX/2020 Customer Service refunded me {$24.00}. After that I wasagain charged {$12.00}. XXXX times for Monthly Maintenance Fees totalling {$48.00}. ( XXXX, XXXX, XXXX and XXXX XXXX. I contacted Customer Service on XX/XX/2020 and spoke to XXXX Customer Service reps who refused to refund my overcharged fees of $ XXXX then transferred {$50.00}. into my account so the balance is {$1500.00}. I am confident once someone of authority at BOA sees the facts they will credit my account the {$48.00}. they owe me. 
Thak you.

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 2019-10-12
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 walked into XXXX XXXX with the intention of viewing some shirts. Expectedly, I was met with very push salesman eager to upsell me on a suit or suits. After some back and forth, I agreed to purchase two custom shirts and three ties. The merchant stated they would have the purchased items ready in 2 days time. Upon receiving my receipt, I noticed the total amount in XXXX was not what we agreed on in US dollars. 

At this point, I did not want to conduct further business with this merchant. I decided to leave the establishment to avoid confrontation and confirm my suspicion. In the taxi ride to my hotel, I confirmed they grossly over charged me for the merchandise, so I called to cancel this order that was placed just minutes before. Instead of honoring my request, they asked me to return to the establishment to be fitted for a suit. I declined several times and they insisted that they would not cancel my order. 

I politely declined to return to the store and simply asked to cancel the order before ending the call. They continued to harass me with follow up call via the XXXX. 

Proceeding the call, I contacted Capital One support describing the matter at hand and filed my claim. I have not received any goods from this merchant and have no interest in paying for merchandise I have not received or requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the fair credit Reporting act, Transunion has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states 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 open an end consumer credit plan as late for any purpose. It is showing a late payment for XX/XX/2022 on my XXXX XXXX  ending in # XXXX on file AND a late payment for my XXXX XXXX XXXX  beginning in # XXXX for XX/XX/2022 TOO. This is simply not true. I would like an investigation launched about this supposed late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXBalance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}

Company response to consumer: In progress
Consumer complaint received 2022-09-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
Showing on report as late when account was never issued to me in writing or given permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/XXXX. XXXX during the process of buying a house I wrote check # XXXX to XXXX XXXX for {$50.00}. This check was never cashed. I have been showing it outstanding since then. I have been balancing my check book each week due to all of the auto drafts that come out of my account. Since that date I have always had to show this check as outstanding in order to balance. 

On XX/XX/XXXX. XXXX, My {$50.00} OUTSTANDING MONEY WAS GONE. I could no longer balance my check book since the money was no longer in my account. If I added it back into my account as an outstanding check I no longer balanced. I was then over {$50.00}. 

I called the bank Capitol One customer service on XX/XX/XXXX. XXXX and spoke with some lady for about 30 minutes. She could not understand that the money should still be there and she could not explain to me where my {$50.00} dollars had gone. 
I then requested to speak to her supervisor and she switched me over. After about 10 minutes he didn't seem too concerned and he could not tell me where my money was at either. When money comes up missing that is THEFT to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
TransUnion, XXXX XXXX XXXX are not correcting issues involving mortgage loan & Car loan reporting inaccurate as being paid through bankruptcy. Although loans and mortgage were paid outside bankruptcy and paid as agreed in good standing. Also mortgages are listed as closed & mortgage changed servicer and were never 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 2023-06-28
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: GOLDMAN SACHS BANK USA

Complaint:
On XX/XX/2023 I attempted to activate a monitoring subscription with XXXX Reveal for a security camera purchased by my husband, XXXX XXXX XXXX XXXX. The service did mot work. After contacting XXXX technical support who was unable to resolve the issue, I advised them that I wanted to cancel the same day for unsatisfactory and non performance of service. The XXXX XXXX sounded evasive so in addition to notifying XXXX, I also attempted to dispute the transaction for {$120.00} that was pending on my Goldman Sacs Apple Credit Card. This too occurred on XX/XX/XXXX. The Goldman Sac 's employee identified himself as XXXX and advised that since the transaction only showed pending, he would have to wait to see if an actual charge was billed. My card was charged and a provisional credit was issued on XX/XX/2023. On XX/XX/2023 the charge was put back on my card. I called Goldman XXXX that same day and disputed the charge again. A temporary credit was again issued only to be placed back on my card today. The camera was stolen and I have provided proof to Goldman Sacs that XXXX provided no services to me other than to scam senior citizens. Too, I believe that employees of Goldman may be involved in this scam because on their so called investigative report for this incidence, it clearly indicates that the subscription was activated and deactivated the same day. Our home alarm had been breached twice while we were away for XXXX treatment. We were attempting to get XXXX outdoor camera to identify the responsible party ( XXXX ) but the service did not work. XXXX promoted and advertised the service with the XXXX camera purchased from XXXX XXXX XXXX. Goldman Sacs placed this disputed charge back on my card today, XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC

Complaint:
this company has a collection account opened on me - i have repeatedly requested any documentation which would validate me owing this debt - i sent mail to both the originator and this debt collection company with the information below - and both have refused to provide me this legally required information for over 1 year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Receivables Management XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX current date XXXX RE :  Collection attempts on a debt I do not owe. 


You have reported a collection account to the three major credit agencies. The amount of this account is {$220.00}. 

I do not believe that I owe this debt and I dispute it. 

I have no idea why i am receiving this bill. I have no idea what service was provided - when - where - by whom. 

In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? b ) How this amount has been calculated in a way I can understand c ) Copies of the papers where I agreed to pay what you say I owe. d ) The name of the original creditor. e ) Demonstrate that you are licensed in my state, and provide this license number to me. 

Additionally, please provide this letter to the company for whom you are collecting so that they have notice of my dispute. 

Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. 

You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original 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 non-monetary relief
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC

Complaint:
This company has been harassing me since  XXXX   XXXX . I told them not to call any more. I several more calls but blocked the number. I got a call from a friend of mine they had called her on  XXXX   XXXX  looking for me. On  XXXX   XXXX  I got a call from m y Dad tha t they had called him looking for me. On  XXXX   XXXX  I received a call at my job from them telling me I had to pay it then. I told them they had harrased my friends and family and now calling my work after I told them to stop. On  XXXX   XXXX  I got another call from them at my job. I told them I have told you to quit calling me. The man on the phone said well you have not told me. Seriously. Then he berated me, I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have been using my BofA EDD Debit Card for over year and half now. I've never had an issue with it. Prior to travel out of the country I had notified their department of it promptly. All of a sudden I find out that my account without prior notice whatsoever, has been blocked and locked. I am not able to access my funds, nor login into it, nor make any transactions while out of the country during the pandemic.

This is despite the U.S. District Court prohibiting Bank of America from freezing EDD debit card accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I called and spoke on XX/XX/2021 with BofA reps/supervisors for two hours. 
They're telling me the ONLY way to get this resolved is for me to PERSONALLY SHOW UP in a branch and present IDs. That is now not possible while I am out of the country till unknown foreseeable future with the pandemic. In the past, any issues I had to do with verification with BofA I would perform them on the phone with pin codes, security questions, etc. I have offered to submit my form of ID 's via email or online where I can upload them securely. They would not hear none of it. I am locked out completely from my only source of income while I am outside of the country during the pandemic!

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 2019-07-27
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:
A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested Equifax, XXXX and XXXX  to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 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 non-monetary relief
Consumer complaint received 2017-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.

Complaint:
I was a victim of a scam ... I was advised by PNC Bank to close that account leaving it negative. Open a new one where all of my further deposits would go, I was refunded the charge of the two fraudulent checks, but none of my personal money was at all recovered.
<P/>
When opening this new account it was in everyone 's agreement that if my money was not recovered we could set up a plan of repayment to close out that account.
<P/>
This was two weeks ago ... .This morning I woke up to a Freeze on both of my accounts. I have been to branches and made numerous calls and every one is saying they are unable to help me until I pay the remaining balance of the of the closed account off. This was not the agreement and they now taken what little money I now have and put a hold/freeze until I make all accounts a {$0.00} balance. I feel like the only people I have on my side are now taking advantage of me. <P/>PLEASE HELP!

Company response to consumer: Closed with explanation