hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-02-11
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: WHEELS FINANCIAL GROUP, LLC.

Complaint:
Attached is email communication from LoanMart 's XXXX XXXX representative ( XXXX XXXX ) threatening me with a repossession order when I clearly stated to him in writing that the XXXX/XXXX/17 payment was sent via mail XXXX/XXXX/17 ... 

First, and foremost, I 'm a LEGAL tax paying law abiding U.S. citizen, and am NOT going to be communicated with in a threatening demeaning degrading way by ANY individual, or organization, especially by someone with probabe friends, and, or family members who are illegal immigrants over a {$260.00} monthly loan payment sent in later than the payment date. Although I 'm also being assessed a daily compounding late payment interest amount!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint:
I hereby would like to state the following facts related to the fraudulent withdrawal of the sum of {$4500.00} XXXX XXXX XXXX XXXX XXXX, from the account XXXX of my property, and held solely under my name, held at Chase Bank located at XXXX XXXX XXXX in XXXX XXXX XXXX of XXXX. 

XXXX XX/XX/2022 at XXXX XXXX  a withdrawal for the amount of {$4500.00} was made at the abovementioned branch of Chase, supposedly as the Chase bank claims using my debit card and my pin number to make said withdrawal. 
The transaction was executed by the teller number XXXX as designated that day by the Chase bank. 

XX/XX/2022 at XXXX ; XXXX XXXX  I myself XXXX was working at my XXXX  at XXXX XXXX XXXX XXXX Texas XXXX with my Chase debit card in my wallet, and I have video footage with the time mark to prove this. 

On XX/XX/XXXX sunday while checking my bank account transaction for the week, I realized that the sum of {$4500.00} had been taken from my account on XX/XX/2022, immediately i called customer service and was informed that i had to go to the branch the next day monday XXXX XXXX. 

On XX/XX/XXXX I went to chase bank to make my weekly deposits and also to inquire about this withdrawal of {$4500.00} and was informed by the branch manager XXXX XXXX XXXX that such withdrawal was made at the branch, with my debit card and pin number, and i explained to her and a teller, i believe the name is XXXX, that i had not withdrawn that amount and i rerquested respectfully that a fraud investigation be opened and my debit card would be suspended due to the fraudulent transaction. Therefore I was assured that the bank would open a claim and cancel my card. none of this last actions took place, On XX/XX/2022 I returned to the bank to ask about the status of my claim, and was made aware by bank manager that the claim was not made and the card was not suspended. Therefore XXXX bank manager proceeded to file the fraud claim in my presence. 

On XX/XX/2022 I was informed by the bank fraud department that the claim was deemed as not valid because my debit card was used to withdraw the money and also the amount was consistent with my spending patterns. 

Conclusion chase bank dismissed the fraud claim, saying that my debit card and pin were used at the branch but refused to review the video footage. At the exact time of the withdrawal I was at my XXXX  with my debit card in my pocket, and I have video footage to prove it. 

Thank you very much for your help on this matter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Education, LLC dba Aidvantage

Complaint:
I have student loans from XXXX that Ive had since I was XXXX. They just recently transferred them over to a different company ironically rigt when they had a lawsuit against them for XXXX  us over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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/XXXX I sent box by airmail fastest way to USA. 
The post office agent assured me two weeks delivery maximum as it was a birthday gift. Expected to arrive XX/XX/XXXX latest It is XX/XX/XXXX and package has not arrived to my niece in USA. 
Therefore, I will not pay XXXX $ for SERVICES NOT RENDERED, so I am disputing the charge I have all documentation and receipt Since XXXX XXXX has no address or email stated in their website I can not contact merchant form USA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
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 XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 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 response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Collection Management Company

Complaint:
Debt is for trash bill. Credit management contacted my parents on Wednesday XXXX XXXX, 2015 regarding a delinquent balance ( that was never delinquent ). Told them the dollar amount and threatened to place a lien on their house. All thus after my parents told them that the debt did not belong to them and they were contacting the wrong person. They again contacted my parents again on XXXX XXXX, 2015 even after the conversation on Wednesday when my parents told them they were contacting the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HUNTINGTON NATIONAL BANK, THE

Complaint:
On XX/XX/2021 a payment was electronically transferred from XXXX XXXX XXXX in XXXX to Huntington bank for my credit card payment of {$300.00} I received an email in the middle of XXXX stating I had missed a payment I immediately sent {$200.00} thinking I had forgotten the payment via the same credit union and electronic transfer. The {$200.00} was received and applied to my account after searching my account I noticed that I had made a payment on XX/XX/XXXX and that was never applied for {$300.00} I have since been in contact with Huntington bank and after several numerous attempts I have not been able to get this resolved. I have emails dating back to XX/XX/2021 attempting to get this corrected I spoke to a supervisor at Huntington and he assured me that this was applied and corrected after I received a call from someone at Huntington I called them back and a very nice lady named XXXX XXXX was able to assist she has sent this to higher levels and increase the visibility of the complaint that I have as of this date I still have received no communication regarding my payment or the fee that was applied due to the late payment that Huntington says they never received I spoke to my credit union they advised multiple times that this payment was sent and removed from my account on XX/XX/XXXX and this issue is all on Huntington bank side. The one bright spot about this has been XXXX  across who has tried to assist I have sent them everything from XXXXXXXX XXXX  showing the transaction and date that this was removed and applied they received the {$200.00} that I immediately sent after notification of miss payment but can not say that they have received the {$300.00} payment sent on XX/XX/2021. I feel that I am getting nowhere and now reaching out to the CFPB for assistance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-13
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:
I like to dispute the following items on my credit report. There has been Inaccurate information reported to the 3 credit bureaus : XXXX, Equifax and XXXX would like them removed immediately. Previously disputed with no resolution. 

XXXX XXXX Last reported XX/XX/2022 {$4000.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2900.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2600.00} Reported balance Last reported XX/XX/2022 {$2400.00} Reported balance {$2300.00} Reported balance Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance Last reported XX/XX/2022 {$2100.00} Reported balance Last reported XX/XX/2022 {$2000.00} Reported balanLast reported XX/XX/2022 {$2000.00} Reported balance Last reported XX/XX/2022 {$1800.00} Reported balance Last reported XX/XX/2022 {$470.00} Reported balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.

Complaint:
My bank BBVA was recently bought out by PNC bank. I could not gain access to my money in the PNC system as I don't live near a branch and was not sent a debit card or account information in the mail. 

-I called PNC bank to cancel the account and was told that I had to remove my money from my account first. 

-They sent me my money in cashiers checks. 

- I then called PNC bank, spoke to a human who told me the account would be closed. 

- I was then notified that my accound had not ben closed and had been overdrawn. 

- I called them back, payed the ammount I owed and told them a second time to close my account. It has still not been closed. 

I Just called them again and the same problem persists. They transfer you from agent to agent, I've spent hours on the phone and cant close my account. Its criminal.

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: Closing your account — Company closed your account
Company: Block, Inc.

Complaint:
Cash app closed my saying that I violated my account but I havent used my account since XXXX XXXX then when I try to ask them how I violated the terms I get no response or they are being rude hanging up on me but nobody has given me the exact reason to why my account was closed and I have used that account since XX/XX/2021 I used that to pay my bills and everything and there is no explanation as to why they shut my account and also my daughters account which was connected to my account I have never misused my account because I need it for important things

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.

Complaint:
National Credit Management is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681i and 15 USC 1692 ( a ) ( 5 ) there is no debt. 

This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied. 

This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then National Credit Management has no claim. 

I hereby irrevocably refuse to consent/contract to National Credit Management agency because there is no law required for this consumer to do so. Until National Credit Management agency can provide a lawful authority by which this consumer is subject to comply with submitting to National Credit Management or jurisdiction in violation of my rights to be free of involuntary servitude. 

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) National Credit Management is hereby warranted to Proof of Claim in Arbitration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
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:
Experian refuses to correct negative accounts listed on my credit report. they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
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:
Whenever you file a claim it seems as if nothing gets resolved because instead of helping the consumers, it seems that the companies just give whatever kind of answer they want and the case is closed in which it should not be. I have filed several complaints against credit agencies and the answer does n't resolve anything or has nothing to do with the compalint and yet my complaint is closed without addressing the issues or violations that the credit bureaus have violated. I have disputed my information on my credit report either by mail or on the phone and have requested method of verification in writing as to how this information was verified and any documentation associated pertaining to the accounts in disputes. I have also tried to dispute inquiries on my credit report and have had no success in trying to get this information deleted as these inquires were not initiated by me or said companies did not have my permission to pull my credit.. I have disputed public records and I have asked how this information was verified and validated and was told that the courts send this information over to them. This information is not correct as the courts have said they do not give out any information on anyone and the information the credit bureaus are telling is incorrect. I have tried repeatedly to get this information resolved and yet the credit reporting agencies are not doing through investigations and in relation to disputes but rather using an electronic methods to receive and validate information rather than physical documents or a real investigation to limit the damage to one 's credit reports. The representatives from the credit agencies state that they receive public records by using your name and social security number and that 's how they verify the disputes in regards to public records. Anyone can access public records and that does n't mean the information is correct or there are n't errors in the information that is contained in the records. They are not doing their job in verifying and validating information contained in my credit report but rather damage it in regards to negative information that they refuse to investigate or remove. These credit reporting agencies have no way for you to dispute inquiries that you did not authorize or recognize but yet they report this as accurate information and it remains on there for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2021-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL

Complaint:
Ive had this card since XXXX. I have made on time payments and was near the end of paying off this card. Synchrony lowered my credit limit of {$1000.00} to {$250.00} which in turn increased my credit utilization with no substantial reason. My FICO score is current over a 700 with no delinquent accounts. This is a way trap people and mess up their credit.

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 2022-08-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to transunion 60 days ago. I have not received as response yet and seems as if my disputes being ignored

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 2020-07-13
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:
These are not my accounts. There are addresses and names listed that I do not know or don't pertain to me. Additionally, there are companies that had pulled my credit in which I did not authorize. Please remove them from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC

Complaint:
A debt collection was reported to all ( 3 ) credit bureaus for an account that is not mine. I tried disputing the account with the bureaus, but the item was not removed from my credit report. I have tried calling the number provided, but they never answer the phone. I sent a letter to Montgomery Collection Services requesting documentation for why they believe this debt is mine, as I have never done business with the named entity, nor have I ever received a statement for any existing obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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:
XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX I have 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.

Complaint:
XX/XX/21 See Previous complaint ID : XXXX Contiued issue : Joint account has not been deleted after resonable time as debt collector stated. This account is fraudulent and there is no personal responsibility for this account. This account is in violation of the XXXX ( using any false representation or deceptive means to collect a debt or to obtain information about a consumer )

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 2021-06-22
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 I have accounts reporting inaccurately on my report. I've contacted the credit bureau about these accounts and received no cooperation about this matter.

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 2022-04-25
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 report act XXXX XXXX XXXX XXXX  have 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 an 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 non-monetary relief