hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I have an old account ( XXXX XXXX XXXX ), from 2012, that is still on my credit report. I disputed it with XXXX, and it wasn't removed. All XXXX keeps doing is saying that the updated the information. I disputed the information with ( XXXX XXXX XXXX ) directly and it was removed from XXXX. on my credit age, it shows 1year. Why is XXXX still showing that old account. This account should not be on my credit report. 

File number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.

Complaint:
I received 3 overdraft fees on XX/XX/19 from Chase Bank for {$34.00} each. I was told by the bank that XXXX XXXX EST is the cut-off time for credits/debits/transfers to my account. Ive also enrolled in text message alerts to inform me immediately if my account balance is overdrawn or below {$25.00}. 
On XX/XX/19 I checked my account right before XXXX XXXX EST to ensure the account was positive and in good standing. I keep money in other accounts and transfer to this account if necessary to avoid fees. No changes were necessary and I did not receive any alerts. I went to bed. 
The next morning I awoke to 3 fees for insufficient balance. I called Customer Service who said theres no evidence of the alert system warning me of any balance issue, and that right at XXXX my balance was positive. However customer service refuses to reverse the fees. The debit that went through the account is posted-dated XX/XX/19 on my bank statement yet my fees were generated from XX/XX/19 for a purchase of $ 189+ that was not present, pending or otherwise in my account at XXXX XX/XX/19 - the cut-off time Chase Bank has communicated to me as the time when any additional transactions toward the next business day. So if after XXXX I can no longer alter my account for my benefit, Chase should also not be able to break their rule to take fees from me. I escalated my complaint to a supervisor and they too refused to reverse the fees. I asked for a manager and I was told they will call me but the manager has not and I feel ignored and robbed. 
I am requesting that Chase Bank be forced to follow their own rules regarding post/ pending cutoff times and also return my {$100.00} dollars they took from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX  XXXX ( Date Opened :, Balance : {$0.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion 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 non-monetary relief
Consumer complaint received 2022-01-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC

Complaint:
I was contacted by mail by Dynamic Recovery Solutions on XX/XX/2021 about a debt which the original creditor is XXXX XXXX XXXX XXXX for XXXX and reference number:XXXX, and the current creditor mentioned is XXXX XXXX XXXX. They have received a mail from me requesting the validation of the debt on XX/XX/XXXX, but failed to provide to me the information requested which is considered as a violation of my rights because it has been more than 30 days since they got my letter. Not only they failed to respond to my request that I gave them 30 days to reply to and to delete the debt if they can not validate it, but also the amount and the status mentioned in the letter are not the same as what is in my credit report. They did not even change the status of the debt as under a dispute. I am now requesting a deletion of this debt since it can not be validated and some information dont match. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc.

Complaint:
I was notified XX/XX/2018 by collection agency that I owe debt from a utility company. I was not aware of the debt and asked for a copy of the bill. In the meantime I contacted the utility company and discovered it was from my rental property ( they sent my bill to the rental address ) the original bill was for XXXX and they discovered a billing error and reduced the amount to XXXX. I received bill from Utility Company and paid the same day by check ( XX/XX/18 ). Also received bill from Collection Agency. Collections called again around XX/XX/XXXX and I told them I paid the balance and I provided check # and amount when asked. Contacted by Collections on XX/XX/XXXX that I owed a balance of XXXX ( difference between original bill and revised bill ) and I explained that there was no balance and account cleared. They insisted. I verbally disputed the charge and asked them to call Utility Company and they refused I again disputed the balance and they insisted I owed. I contacted Utility Company and they verified XXXX balance and stated they would contact Collections. On XX/XX/XXXX called Utility Company again and they started the manual reversal. Almost 2 weeks later the Collection Agency filed a derogatory remark and collection notice to all reporting Credit Bureaus. My credit is in yellow status and dropped 50-100 points ( depending on what agency ). Also note that in the correspondence from the Collections they did not provide info on the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.

Complaint:
Company refuses to update my credit report after a settlement was made on my account and was provided with documentation as settled in full. They continue to update my credit report as late and damage my credit rating. 

XXXX XXXX XXXX XXXX as of XX/XX/2020 2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
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: FAIR COLLECTIONS & OUTSOURCING, INC.

Complaint:
This loan dose not belong to me and if this can be removed from my credit report i would appreciate if you can delete these items so i can further my family feature.

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 2022-05-05
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: EQUIFAX, INC.

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.

Complaint:
Sometime in XX/XX/2023, I realized a unknown collection account added to my credit report. XXXX XXXX XXXX is a collection agency I am unfamiliar with. Medical Data is the original creditor and I have never received a medical bill in my life yet alone been to the hospital. Someone has stolen my identity as well as put numerous unauthorized credit inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
In XX/XX/XXXX I filed a complaint with XXXX, Trans Union, XXXX and I didn't receive a response back until back until XX/XX/XXXX. This date is way passed the 30 days time frame allowed. I am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account is duplicate with multiple listing as open error please delete inaccurate. Below are the CFPB confirmation numbers to my claim. 

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 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/2022 : I received a text message from " Chase Fraud : We declined {$810.00} with card ending xxxx at XXXX XXXX ... ... ''. 
I called Chase immediately and found out there's several unauthorized charges on my card back to XXXX XXXX. 

The most recent are : XX/XX/2022 XXXX - {$910.00} XXXX - {$820.00} I was told that I did not check my account and reported on time fraud activities on my card on XX/XX/2022. Chase is not responsible for any fraud after 60 days. As a result, Chase won't credit back unauthorized charges on XXXX XXXX by XXXX XXXX : - {$910.00} and- {$820.00}. 

XX/XX/2022 : I called Chase Claims Department and was told Chase won't credit back fraud charges by XXXX - {$910.00} and- {$820.00}. 

XX/XX/2022 : I called Chase Claims and was told that my claims were closed. 

XX/XX/2022 : I went to Chase in XXXX. A representative called Chase Claims for me, and I was told that my claims are reopened and will be investigated. 

XX/XX/2022 : After almost 2 weeks, I still have yet to hear from anyone at Chase. I went back to Chase in XXXX. I explained my claims again, and a representative, XXXX XXXX, agreed to contact Chase Claims, and I was issued a notice that Chase won't credit back unauthorized charges on XX/XX/2022 by XXXX XXXX. - {$910.00}, and - {$820.00}. 
I called Chase XXXX and requested to talk with a manager. I was told that He " can't change the outcome by his end ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK

Complaint:
I reported couple of unauthorized charges on my account ; XX/XX/XXXX XXXX TCF Free Checking ( XXXX ) {$32.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$8.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$40.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$47.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$11.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$7.00} XX/XX/XXXX XXXX XXXX - XXXX TCF Free Checking ( XXXX ) {$5.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$9.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$24.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$2000.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$19.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$32.00} and TCF rejected my unauthorized charge claim because they said that there were other charges on the card that were not disputed after the unauthorized charges. I don't understand I reported the card lost and the unauthorized charges as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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: JPMORGAN CHASE & CO.

Complaint:
I purchased a flight ticket scheduled on XX/XX/2020 using Chase credit card on XXXX XXXX, 2020. My flight was cancelled due to COVID-19 pandemic. Merchant is XX/XX/XXXX ( from which I purchased ), and XXXX is airline company. Per a supervisor of XXXX 's instruction, I requested a refund online on XXXX XXXX, 2020 ( I have a screenshot ). Meantime, I also filed a dispute with Chase in late XXXX, 2020 as I did not receive the service through Chase online secure message system. Chase replied on XX/XX/ 2020 to request any supporting documents, which I faxed for several occasions up to the end of XXXX, 2020, including an email from XXXX confirming that a refund of {$280.00} was made on XX/XX/2020. However, Chase keeps refusing to refund me. All documents will be sent to CFPB upon request from Chase. I have all documents but too large to attach on this online form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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: JPMORGAN CHASE & CO.

Complaint:
I mainly used my Chase credit card for shopping and dining, but on XX/XX/XXXX and XX/XX/XXXX, I noticed two fraud transactions. One is under Professional services with an amount of {$310.00} and the other is under Education with an amount of {$110.00}. I immediately reported to Chase that they are fraudulent charges as my identity could be hacked. I also immediately changed all my passwords. Chase initially reimbursed my money and replace my card with a new number, but on XX/XX/XXXX it secretly reposted these two charges on my new card without calling me. I had to call Chase to get someone to tell me why it happened. Someone from fraud prevention team (? ) told me these two transactions are valid because it matches my information. Seriously? The identify theft of course got those information through illegal activities. Anyway I told Chase I disagree with the decision then they promised to look into the issue and contact me to get more information. Then two days later, I got a message in the Chase App ( Again no call, no formal letter ) that they insist the transactions are valid and threatened me to pay the amount otherwise I will break cardmember agreement. What a joke. I will never do my business with Chase again after this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.

Complaint:
I have sent them a letter to ask them to prove to me that I owe this debt and they wrote back they spoke with the debtor but did not send me any proof of I owe this debt They sent me nothing at all to prove I owed this amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mar Joe Enterprises

Complaint:
The collection agency account is showing that I have an open balance of {$73.00} on my XXXX  credit report which is showing as a derogatory remark ... The full balance was PIF and cleared my bank on XX/XX//18 ... I was promised that it would be cleared from my report within 60 days. This needs to be removed from my report. 

Collections : XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.

Complaint:
When my loan was serviced with XXXX I was locked in with a low interest rate. Once navient took over the loan, my rate increased and payments have doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.

Complaint:
They call XXXX or XXXX times a day let it ring once and stop. It is getting annoying. Has been going on for months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation