hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint:
I traveled to XXXX inXX/XX/XXXXand used my Citibank Mastercard on XX/XX/XXXX for 1 transaction at a restaurant ( XXXX XXXX ) for {$59.00}. When I returned to the US, I found a second transaction on my account from the same restaurant for {$350.00}. I immediately contacted Citibank to report a fraudulent charge on XXXX/XXXX/XXXX and was issued a credit and a new card. 
Since then, Citibank has re-added the {$350.00} charge to my account twice ( on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) with the following explanation ( from a Citibank letter dated XXXX/XXXX/XXXX ) : Our investigation found that the disputed charges ( s ) is not related to a fraud disputes ( s ). You provided your credit card number to XXXX  XXXX XXXX XXXX XXXX XXXX, therefore, this charge ( s ) is not unauthorized. 

In other words, I used my card for a legitimate transaction, so they think any fraudulent transactions that occur after that are still authorized, which is clearly against my card holder agreement. 

I have submitted documentation to Citibank contesting the charge as fraud with my legitimate receipt 3 times. I have spent several hours on the phone ( on XXXX, XXXX, XXXX, and XXXX/XXXX/XXXX ) with Citibank representatives and supervisors, being passed back and forth between the Billing Dispute Group and Security Services Group, with each group saying that I needed to speak to someone in the other group. As of today ( XXXX/XXXX/XXXX ), Citibank has added the fraudulent charge back on my account. They sent a copy of the charge from the merchant and it 's very clear that the signature was badly faked ( it is not even close to looking like my signature on the legitimate transaction ) and was processed hours after I left XXXX XXXX and was back at my hotel. 

This is not only terrible customer service, but it is clearly in violation of my cardholder agreement which states " {$0.00} Liability on Unauthorized Charges You wo n't pay for any unauthorized charges made on your consumer Citibank Debit Card and consumer credit cards. ''

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 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: CL Holdings LLC
State: UT

Complaint:
XXXX XXXX XXXX and XXXX XXXX are reporting the same debt on my credit file that I do not owe. This debt is also past the statute of limitation. XXXX XXXX   and XXXX XXXX are in clear violation. They can not double report the same debt on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint:
I have spent thousands of dollars trying to delete this account from my credit report. I paid the balance and it wasnt mine. Ive sent out 10 dispute packets to each bureau. My identity was stolen and my signature was forged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint:
Hi there, I have had issues with XXXX XXXX not accurately reporting positive activity on my account. 

My score dropped XXXX for 1 late payment and when I made a payment to catch up on the payment it was immediately not shown positively on my account. I also noticed this for XXXX too. I should have gotten points for paying down my credit cards which still shows that the cards were not paid down. And I should be given positive points added to my credit score reflecting this because I am working on building better credit so I can have fair housing. 

I also noticed that equifax did the same thing I paid down 3 different credit cards and positive activity was only given for one card. And for XXXX no positive activity was given. Not having my positive paying reflecting on my credit does not allow me to have fair housing opportunities because of a low score when I hardly have credit and is making efforts in paying down debt to receive positive score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Product: Vehicle loan or lease 
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint:
I turned over my vehicle XX/XX/2019 the dealership failed to ground car. I called several times to have a manager resolve it and no one called me back. My credit report is showing I owe money to a lease I no longer have and its being reported as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Product: Credit card 
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint:
XXXX of last year Bank of America offered a program to make a payment plan to bring the balance on my credit card down. I met all the requirements on my payments as well as making future payments. I recently tried to use the card today to catch an XXXX. There was an error message so I called customer service. They claimed the account had been closed since XX/XX/2023 and I should have gotten a letter by the mail. I didnt receive any letter nor an email or notification within the Bank of America app inbox of the account being closed. I have been making on time payments of {$81.00} by the XXXX of the month via the mobile app.

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 2023-09-30
Product: Credit card 
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service
Company: CITIBANK, N.A.
State: MA
Tags: Servicemember

Complaint:
I purchased two appliances via XXXX 's and applied, ONLINE, for a Brandsource Credit card boasting 0 % interest for 24 months. I completed the application online and created an ONLINE account. To date I have received my stove but not my refrigerator. Approximately two weeks ago I received my card in the mail and have been unable to register it online. I keep receiving an online error message saying my card can not be registered. I can not reach anyone who speaks English at XXXX. Today I received three calls from " Consumer Protection '', supposedly a division of Citi. I hung up because I could not understand the foreign callers and I thought it was a scammer. I called back this afternoon and was able to speak to a woman who spoke English fluently ( XXXX ). XXXX said neither Citi or Consumer Protection are authorized to assist me because I have not called them with the 4 digit " verification '' code they mailed to me, via letter, 2 weeks ago. XXXX said no one at Citi can give me my balance, tell me when my first payment is due, mail me a paper statement, allow me access to my account online or tell me if I am racking up charges and late fees, all because I never received a " verification letter '' they claim they mailed. So, now I have to wait another 7-10 days for this letter to be mailed, I have to call a number and provide that code before they will assist me. So, to be clear, they allowed me to apply online, without any sort of verfication. Allowed me to purchase at least $ XXXX worth of appliances, mailed ME A CREDIT CARD WITHOUT VERIFYING ME, BUT THE MINUTE I WANT TO MAKE A PAYMENT OR ASK FOR MY STATEMENT, I CAN NOT BECAUSE I NEVER RECEIVED A VERIFICATION LETTER THEY SAY THEY MAILED? HOW IS THIS EVEN LEGAL? They will not tell me my balance, will not tell me whether or not I have accrued any late fees and will not tell me if I have lost my interest free promotion. How is this even legal? I am asking for the third time, that a paper statement be mailed to me, any fees, late charges or interest be removed and this account closed immediately please. I do not care to do business with the likes of this company. What a trap.

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 2018-01-04
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint:
I have been paying {$280.00} every month but the interest rate is way too high. I asked Naivent to low it but they refused. My student loan was about {$23000.00} and I have been making payment since 2013. Today my balance is ~ {$16000.00} that means they have been charging high interest because I have made more than 49 payments that 's more than {$14000.00}. My balance should at lease {$10000.00}. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Frontline Asset Strategies, LLC
State: NY

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

FRONTLINE ASSET STRATEGIES is govern by 15 USC 1681 and they violated my rights numerous times. I demand the account listed below and uploaded be remove because According to 15 USC 1681 : I have right to privacy and I did not give FRONTLINE ASSET STRATEGIES written permission to furnish this account Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint:
Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX is showing different ratings on the credit bureaus

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 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint:
Under complaint number XXXX Transunion reported that two XXXX XXXX accounts were, but they are being reported on my most recent consumer credit report as of XX/XX/2023. This is what I mean as predatory reporting and activity. CFPB even referred to them as " out of control repeat offender ''. 
TransUnion is an out-of-control repeat offender that believes it is above the law, said CFPB Director XXXX XXXX. I am concerned that TransUnions leadership is either unwilling or incapable of operating its businesses lawfully. 
This statement alone proves that they can not be trusted, and their practices are unlawful. There are several unauthorized inquiries on my report. I was recently had adverse action against me as I was denied for a home loan. My Transunion score is the lowest of all three major reporting agencies and they have double accounts. They are reporting that I have over XXXX in XXXX loan debt when that is simply accurate. They refuse to give me their verification process through CFPB or when I call them. They have made false claims to the companies listed on my reporting stating that I am claiming identity theft when in fact I stated that Transunion has stolen my identity by furnishing a consumer credit report on my behalf. By law they can only do so under written instructions of the consumer. I have never consented to allow Transunion to furnish my identity to anyone. Transunion is defaming my character with these inaccurate accounts they are reporting. They are causing harm to my family and I. This reporting is causing my mental health instability by receiving adverse action against me and daunting phones calls from companies that I have no legal obligation to. I have requested that they cease and desist from reporting all hard inquires and negative reporting accounts. These companies like XXXX XXXX, XXXX XXXX and XXXX credit are not even authorized to conduct business in my previous state XXXX and my now new home state of 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 2023-08-05
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint:
Bank of America has been charging fees after the account goes overdraft for every transaction even when is one dollar I get charge {$35.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: W&A Intermediate Co., LLC
State: TX
Tags: Servicemember

Complaint:
Wakefield and Associates ... And... 
XXXX XXXX XXXX, XXXX These XXXX companies work together to collect payment for debts not owed. I paid XXXX not realizing until later it was not actually owed by my XXXX XXXX XXXX daughter, and are trying to get another one paid using XXXX as the creditor, however, they will not release the name original debt or why it went to collection without me getting a first bill. My child is not responsible for herself or her own debts and has signed nothing claiming to be. She is insured, and had a second insurance to cover all copays at the time. We are current patients of all doctors and hospitals we use. NONE of them have contacted me with an unpaid bill. I want them to stop contacting me, or my child that lives at home. They are a nasty company that bilked {$900.00} out of my mom, who has XXXX, for an XXXX XXXX that was covered by her insurance, and the aXXXX XXXX wrote off the copay already that Medicaid didn't cover. I feel these people get their accounts from Medicaid write offs, as I've not experienced them outside of a medicaid co-pay issue that was settled without going to collection. THEY ARE A SCAM. They are rude, they don't need people 's private information. How they legally operate is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint:
I have paid the company! I have sent several letters requesting verification, but there has been no response.

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 
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint:
All 3 credit companies told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer. I was victim of 2 data breaches I have not received any validation from XXXX, XXXX, Experian they violated FCRA611. I requested that they don't use e-oscar for this and instead verify that they have the contract of my signature onsite for FCRA 609a1a. I challenge that because I never received substantial information such as an original signed consumer contract from none of them. During this time period I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from all 3 agencies per FCRA and FDCPA

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 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 2016-02-02
Product: Student loan 
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint:
I went to XXXX University in XXXX, Maryland for 5 years. My loans were through XXXX XXXX which is now Navient. I have around XXXX in loans. I have tried to make my payments on time and in full but I can not. The operators when I call have no solutions or knowledge, and can not help me, yet they hound me constantly to make a payment. Navient loans is contentiously calling me and harassing me to make a payment. I 've tried to work with them to get my payments lowered and they said they can do nothing for me. My co-signers are in debt as well but make more money than I do. I make only XXXX a year, and I 'm about to have a baby. But Navient continuously calls and says that I need to make my payments before I go into default. I have told them about my situation and they have no solutions for me. I can not afford almost half of my paycheck to go to my Student Loans. It 's ridiculous that I can not have my payments lowered to work with my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
XXXX, XXXX and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX, XXXX and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

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 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX  XXXX {$280.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$630.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint:
RE : CFPB Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX I recently submitted a CFPB complaint detailing erroneous late payments being report which are violations of my consumer rights under 15 USC 1681 ( 2 ) ( a ) ( i ) and also section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report How can I be late on payments when there is a finance charge ( 15 USC 1605 ) that's payable to me? In addition to that my statements are proof of the credit ( s ) that are due to my estate ( owner ) of the account. FCRA SAYS THAT TRANSACTIONS AND EXPERIENCES ARE TO BE EXEMPT FROM REPORTING!!! This complaint should have never been closed without a satisfactory investigation using FCRA guidelines as a medium between the consumer and the person making the report! 

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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