hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mirand Response Systems, Inc. (VA)

Complaint:
XX/XX/XXXX contacted by XXXX XXXX # XXXX employed by Mirand Response Systems regarding collection of a XXXX XXXX   overdraft of {$700.00}. The associate was extremely rude and used communicative tactics that were definitely out of compliance as well as bullying verbage. 
XX/XX/XXXX contacted by XXXX XXXX # XXXX employed by Mirand Response Systems regarding collection of {$700.00} overdraft. Once again the same young lady was EXTREMELY rude with her verbal tactics. She asked me questions that I answered without hesitation but was not happy with me stating I was paying the debt directly to the bank. She commenced to state " it's too early for you to be this rude ''. I hung up and called back and specifically asked XXXX for a Manager. I was forwarded to XXXX XXXX XXXX # XXXX who informed me he was not a Manager, but a supervisor. I clarified his statement by saying " A floor Supervisor is a Lead, not a Manager '' and I requested a Manager once again. XXXX XXXX  stated the Manager, XXXX XXXX, was not available and would call me back. Due to the fact that he was also tiptoeing on the line of lack of professionalism, I requested to speak to Human Resources or the individual with stature above him that was currently present and was again denied. XXXX stated that the company protocol was to speak to a manager before anyone else. When I reconfirmed there was still no Manager per his advisement so I needed to speak to a higher ranked individual, he repeated company protocol. I then asked XXXX XXXX # XXXX what date was the quoted handbook created, updated or revised he could not answer me and began to state I'm asking for information that has nothing to do with my debt. When I asked XXXX why he couldn't process my complaints, he stated a Manager has to do that which I know to be incorrect as a former XXXX XXXX in the XXXX XXXX of a XXXX XXXX XXXX. I plan on filing a lawsuit against this company in the near future as well as filing additional complaints with the XXXX XXXX XXXX and The Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
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: Santander Consumer USA Holdings Inc. (PA)

Complaint:
I have tried multiple times to resolve errors in reporting. Chrysler Capital has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with Chrysler Capital I have disagreed with their findings and have requested with support documentation that XXXX, XXXX and XXXX correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, XXXX, XXXX and Chrysler Capital my last request was mailed 45+ days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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. (TX)

Complaint:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

Complaint:
Until recently I had two lines of credit with chase ( flex and unlimited freedom ). These accounts were 14 years and 3 years old respectively and had been paid as agreed monthly with no missed payments or late payments. Due to errors with a credit union and their bill pay service two payments were returned, this did not cause me to be late or delinquent, I immediately provided a replacement payment for one card. Had I known about the other payment issue I would have done everything to address in promptly. However, Chase had disabled and refuses to enable my online access due to their unexplained closure of my checking account ( and continue to not release the funds that I had deposited in it ). As such I was unable to see my secure message center for up to date information regarding my account. The day I called regarding my online access ( of which chase says they have no record of ) I explicitly asked the agent in credit card services if there were any issues with my credit accounts as I could not access any information on them, I was told they were in perfect outstanding condition. Airing on the side of caution i again, later in the conversation, asked if there was ANYTHING that put any of my cards in jeopardy. Again, I was assured everything was fine. At this time it has been explained to me that the agent would, have been aware of the payments returned for insufficient funds. I received letters from chase over 2 weeks later. When I called and attempted to explain that I had canceled the payments that bounced, they were not authorized by the bill pay service. I had received confirmation. They didnt care. I have not received {$200.00} cash from my checking account. I was threatened by chase agents that they planned to make sure process would be, as the agent said the hard way ( as I assume opposite of the fair way ). Chase has also lied in a response to the initial complaint regarding my {$200.00}, saying that I could only get my money by going to a branch, which goes against their policy and against their own agents statements regarding my funds. I still can not verify transactions that occurred after XXXX on my credit accounts. I still receive emails that seem to be for card holder with open accounts, high is just tacky and shows their level of attention to detail. I called chase executive line multiple times ( returning XXXX and XXXX calls ) and my calls were never returned not once. I want my money, I want it issued to me, I have no desire to have chase change the rules left and right. I want to know why a 15 year banking history was shattered so unprofessionally and during COVID when I greatly depended on those lines of credit. I would like my online access restored and my credit lines reinstated ( which is possible as I have spoken to family members who have had this done, it seems as though chase has profiled me for not having enough wealth ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Complaint:
I have an auto lease with TOYOTA MOTOR LEASING. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : TOYOTA MOTOR LEASING XXXX Date opened XX/XX/2017 Balance {$7000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

Complaint:
I overpaid them in the amount of {$71.00} and they acknowledged that. But each time I called they gave me the same answer that they are waiting from who ever handled the investigation and I will be notified this was going since XX/XX/2018. Thanks

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 2022-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Complaint:
I was locked out of my USaa account and I called to unlock it. I was told it was unlocked and I would have to pay a free for an altered check. I had not done any check deposits, etc. several checks were deposited and most of them were the same. Funds were also deposited and not alerted as fraud. Now my account is locked down and I have no money for my husbands XXXX treatments. I was not given any provisional credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc. (NJ)

Complaint:
In XXXX or XXXX ( I believe XXXX ), I received a letter from CMRE Financial Services , Inc. stating that a collection from XXXX XXXX XXXX was placed with them. Immediately, I notified CMRE ( by USPS Priority Mail with Tracking ) that I did not recognize the charge, did not recognize the amount, and had no recollection of any of this. This was delivered to them, as indicated by the tracking number on the package. In this letter, I not only asked for debt validation, but advised them to only contact me through written correspondence, as I am unable to take phone calls, and doing so could risk my husband 's employment. 

Instead of acknowledging receipt, they sent an additional collection notice on XX/XX/XXXX, WELL AFTER receipt of my letter indicating I would need validation. To add further insult to injury, they now have begun to attempt to communicate by phone. None of this is acceptable, and a gross exaggeration of their duties, while violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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. (GA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Complaint:
On XX/XX/XXXX I made a cash deposits of Approx {$5000.00} and {$3000.00} at Bank of America into 2 business accounts that have no connection to my personal Account. I was asked to swipe my debit card because It was cash I was depositing. I swiped. The next day I noticed a {$1500.00} withdrawal from my personal account as a counter withdrawal at the time of the deposit into the business account. I immediately called the bank on XX/XX/XXXX To file the claim. To this day XX/XX/XXXX there has been NO resolution. 

Bank of America XXXX XXXX NJ 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 monetary relief
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I opened a XXXX XXXX card and was approved for {$500.00}. I have not used XXXX XXXX XXXX and the lender closed my account due to inactivity. Somehow someone was able to fraudulently reorder a card on a closed account and was approved for over {$18000.00}!!!!!!! I don't get how XXXX XXXX could have authorized such mess without properly verifying this account and I am honestly disgusted by how careless they are with their consumers information and account access! I would like this account either removed or reflect accurate account status. I have provided documents to support my position in this matter. Please see to it that they verify and validate this account using accurate and consented information made by myself! I do not owe XXXX XXXX a thing and will not pay a frauds balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Complaint:
My wife and I had a joint checking account with USAA. Both my wife and I applied separately and independently for a USAA credit card. I was denied but my wife was approved and added me after the account was already in place as an authorized user. The bank instead put me down as a joint account holder. In XXXX, USAA closed our joint checking account without notice or explanation after being a customer for over five years. Because of the checking account closure, access to the online portal for the credit card as well as access to the online portal for my truck loan was removed. There was no way to see any information for any of my USAA accounts. As a result, all deposits and automatic payments for my credit card could not process through my checking account. USAA was aware I had no access to any of my accounts. In the meantime, my stimulus check was deposited into USAA and they took money from the check to cover a overdraft and mailed me the remaining balance. Approximately two weeks later, the check was received by me, which I had no way to cash since they closed my account and I had to open a new checking account elsewhere. As a result, USAA reported a missed payment on my credit for the month of XXXX. The missed payment was caused by USAA due to their removing my account access to pay the bill. I still can not access my truck loan online and USAA will not restore access for me to view my loan. Due to no notice from USAA that they intended to close my account and by removing my online access, they effectively caused the missed payment for XXXX and negatively reported it on my credit. There was ample notice and communication with USAA during this time frame and attempts to regain online banking to pay all bills prior to the credit card account ever being late. I promptly paid off the credit card approximately 2 weeks later when I received the close out check sent from USAA from my stimulus payment which was in XXXX and closed the credit card account immediately. Because I was only to be an authorized user, closing the account should have removed the credit card fully from my credit report but, because they listed me as a joint account holder, I now have a closed account with a missed payment for XXXX reporting on my credit. The missed payment for the credit card was a direct result of USAAs action in closing my account and removing all access to their online payments which caused the payment to be late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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. (GA)

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
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: HCFS Health Care Financial Services, Inc. (NJ)

Complaint:
I am XXXX XXXX  XXXX person, I have SSA and XXXX coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in 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 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
In CFPB complaint XXXX TransUnion LLC stated Below includes the results of that investigation. XXXX XXXXDELETED dated on XX/XX/2022 In CFPB complaint XXXX TransUnion LLC stated Below includes the results of that investigation. XXXX XXXX I, XXXX XXXX XXXX XXXX, am demanding TransUnion LLC to DELETE XXXX XXXX from my Consumer Report immediately as it is inaccurate information. 

For any noncompliance, TransUnion LLC will be fined pursuant to 15 USC 1681n, 15 USC 1681o with Prejudice!

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 2022-07-19
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. (OH)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-01
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: Experian Information Solutions Inc. (SC)

Complaint:
I am a born US citizen, I am a living human being, I have rights under 15 USC 1681! Experian is govern by 15 USC 1681, and they have violated my rights numerous of times. I demand these accounts be removed because : According to 15 USC 1681 : I have the right to privacy and I did NOT give Experian written permission to furnish these accounts or inquires : XXXX. XXXX XXXX XXXX XXXXXXXX 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 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IL)

Complaint:
The company Discover closed my account with no real warning through mail and I am worried it may harm my credit score even tho it is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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. (AL)

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OK)

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

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