hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2019-10-20
Product: Debt collection 
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: MA

Complaint:
This is ianccurate because the late remarks, there is no late remark in XXXX then why is there in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
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: AES/PHEAA
State: CA

Complaint:
XXXX Dear Consumer Financial Protection Bureau, I am one of the first student loan holders who signed up for PSLF in XXXX. As a XXXX XXXX XXXX XXXX, after paying my loans for 10 years, my loans have been accruing interest and they are growing at an exponential rate. XXXX  XXXX is not counting at least 10 months of payments. My loans should be forgiven now, but if I have to pay them for another year the interest on my loans will have accrued another {$20000.00} to {$30000.00}. At this point they are up to {$150000.00}. Over the last three years, my loans have grown from {$110000.00}, to {$130000.00}, to {$150000.00}. What will they be in another year? I am aware that when my loans are finally forgiven, I will have to pay taxes on them as though they were income. 

The problem started when I went back to XXXX school in the fall of XXXX, when my loans were with XXXX. I did not take out more student loans, but instead charged my tuition to credit cards. When I enrolled in school, my student loans went into automatic forbearance. Once I discovered this, I called XXXX, cancelled the forbearance, and got them to flag my account so that it would not go into automatic forbearance every time I enrolled in a new semester. 

Then XXXX took over from XXXX, but unbeknownst to me, the flag on my account did not transfer. I continued to make my regular payments every month, but when I called to find out how many payments remained on my account, the clerk told me that the payments I made while my account was in automatic forbearance would not count. 

In the letter they sent me it says I only made three payments in the year from XX/XX/XXXX, however I made a payment every month the entire year. Then for some reason it says I only make 11 payments the following year. When I signed up for PSLF, I was told that I needed to make 120 payments. I have made 120 payments, but now I am told they dont all count. How could I have possibly known that? Please help me get all my payments counted. It will make a huge difference to the amount I will have to pay in taxes on this income that I will have never seen. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
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: TX

Complaint:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint:
There are inquiries on my report that I did not authorize and I even sent them a copy of my police report filled out for identity theft.

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 2022-01-19
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: Experian Information Solutions Inc.
State: NY

Complaint:
Experian is reporting over 30 accounts that are closed. These accounts are being reported as open The accounts are closed and credit services like credit plusXXXX XXXX XXXX  and XXXX law should not be getting funded to keep closed accounts reported yearly. These same accounts are being reported on XXXX and 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 2023-09-08
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KS

Complaint:
I am requesting again in regard to the inaccurate and unknown inquiry on my credit report. There are multiple errors shown in my report. Please verify that this inquiry is XXXX percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this inquiry and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: LA

Complaint:
False statements that I owe them funds. 
I have never done business with this company. 
Continues to report this as open account. 
Continues to try to collect funds after cease and decease letter. 
Continues to defame my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint:
CHOICE RECOVERY INC # XXXX I dispute this account I have never done any business with this company. Please forward me any and all documentation concerning this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following account # XXXX. please fill out and return the attached CREDITOR DISCLOSURE STATEMENT, or I can not take this account to be valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint:
Chime aka XXXX XXXX within 12 hours made the determination based on " internal factors '' that my purchases were authorized. 

Chime did not initiate a chargeback on my behalf and simply denied my dispute. 

These were manually keyed transactions and I indicated that several people at the store had access to my card ( this would be probable cause with any other bank. 

Regulation E requires banks to take into account assertions made by customers when looking to assess liability. 

Chime stopped all contact with me since I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint:
I just got a preliminary title report on my house and I realized there was a XXXX " judgment renewal '' filed by XXXX XXXX XXXX on behalf of FORD MOTOR CREDIT COMPANY LLC. 

Apparently XXXX XXXX XXXX filed a lawsuit and obtained a " default judgment '' on some vehicle around XXXX. 

I don't recall ever having a vehicle financed by Ford Motor, nor I ever heard of a lawsuit against me on that matter. 

Today, XXXX, I called the office of XXXX XXXX XXXX at ( XXXX ) XXXX to find out what this was about, and a male representative answer the phone and after obtaining the last four digits of my social security proceeded to accuse me of " irresponsible '' for not paying my debt. 

This guy asked me if I ever owned a XXXX vehicle, I said back in XXXX there was some vehicles owned/leased by my company but my company was closed due to the Market crash of XXXX and I also stated that I never heard of a lawsuit regarding their claims. He proceeded to lecture me on " it doesn't matter if you were notified or not about the lawsuit, the bottom line is this is your social security and therefore you owe the money. ", He further stated " you just admitted you or your company owned this vehicle. Plus knowing or not knowing about the lawsuit doesn't exempt you from the debt ''. I told him that I didnt recognize this debt and if he could please provide me information about it, but he barked " I am not going to assist you in providing you any document for you to challenge this debt, you need to contact the court for that. You need to pay regardless. '' I asked him if he was employed by XXXX XXXX XXXX, he responded he was. At that point I informed him that I was recording the call and that I was going to complaint against them, because all I wanted to tell them this debt must be an identity theft, because I remember in XXXX a lot of people got their information stolen to the extend that thieves purchase not only vehicles but real estate properties. I told him my intention was to together work to find the truth, instead I got a very aggressive individual that basically called me a liar. 

This employee should be either re-trained or fired. He twisted every work I use to try to explain the reason of my call and tried to intimidate me by suggesting that even if I file a lawsuit against XXXX XXXX XXXX, since they do this every day, it would cost me a lot of money to fight them because they will prevail in the end. I felt like a criminal. 

Anyway, I need to find now an attorney to help me resolve this matter. In doing research of their lawsuit I see that they " published '' their notifications of the court in a newspaper. This alone is ridiculous because I have had the same address since XXXX and same phone number since XXXX. I don't know how XXXX XXXX or XXXX XXXX XXXX, conveniently they could not reach me. 

XXXX XXXX XXXX have very abusive collecting practices and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
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: EQUIFAX, INC.
State: NY

Complaint:
The report includes the names of three people ( myself, my brother and my father ). As a result various credit cards, car loans and other items are listed under my report. Each individual has of course a separate unique SSN making this error hard to understand.

I tried to file a complaint with Equifax directly, yet the company seems unable to resolve the issue and my account is put on hold. The obvious problem is that without access to my credit report, it is impossible to verify the items on it and file a request to correct such items. These items are equally required to verify my identity, yet are not related to myself in any way. It essentially becomes a circular reference which the company is unable to resolve.

At the core, I am only trying to finalize my name change after my recent marriage. Unfreezing and updating my credit report is required for my SSN name update. The whole situation is just incredibly stressful and entirely cause by ( likely human ) error on Equifaxs end. 

Considering the ongoing problems with Equifax and the apparent inability of the company to manage its IT infrastructure, any help from your end to resolve the issue. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint:
Today XX/XX/2019, I received information from TransUnion regarding my dispute that I mailed to TransUnion on XX/XX/2019, showing that they completed an investigation of my disputed items reporting on my credit report. Transunion letter is dated XX/XX/2019, which is impossible for TransUnion to have received my dispute letter via U.S. Postal regular mailing and have completed an investigation. I have been disputing Bankruptcies chapter XXXX and XXXX XXXX, and XXXX reporting on my credit file. My recent dispute, I asked for Method of Verification original documents from the furnisher that has my complete name, social security number, date of birth, and my dated signature. Transunion has failed to provide me with any documentation. I also stated that XXXX XXXX system would not be acceptable. I provided them with US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE XXXX, TN letter from court. Third party vendors can not be used as verification of an accurate reporting. Per FCRA, TransUnion must provide me original documentation with my name, social security number, dated signature, and date of birth.

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 2023-01-26
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: IL

Complaint:
On my Equifax credit report, my Name is listed as XXXX XXXX XXXX with a social security number of XXXX. This is not my name or social security number. My name is XXXX XXXX with a social security # of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied
Company: CITIBANK, N.A.
State: CA

Complaint:
I applied for a new Citi AAdvantage Platinum Select Mastercard on XX/XX/XXXX. 

I was instantly denied for the following 2 reasons : 1. Too many recent credit inquiries are recorded on your credit bureau report ; and 2. Your credit report reflects a lack of recent installment loan information I feel that I have been discriminated against by Citi and my credit application has been denied on frivolous grounds. 

I have a superior FICO credit score of XXXX, and a relationship with Citicards that spans over 10 years. My accounts have always been in good standing. 

At the time of application, I only had 3 hard inquiries in the last 6 months, 1 of which was in XX/XX/XXXX for the same Citi Mastercard application as the one above. 

I fully own my house, and naturally would not require any installment loan. I should not be penalized for this. 

Despite repeated attempts to contact Citi for a detailed explanation for the denial, no additional information has been provided.

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 2023-01-18
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
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: AES/PHEAA
State: PA

Complaint:
For almost 2 months now I have had issues with MyFedLoans incorrectly charging my account. I am in " paid ahead status '' on all of my loans, but despite this, they've told me their computer system does an equation ( which they don't know ), that calculated my loans would not be paid off in time so my monthly amount went up almost {$200.00}. Despite countless phone calls and conversations with managers that said they saw the problem, would work on it personally, and call me back directly, they issue was never fixed. I took it upon myself to refinance with a different company who paid off all but XXXX of my loans serviced through my fed loans ( I did not switch XXXX loans because they had a lower interest rate with Myfedloans ). I saw my full direct payment was going to come out of my account from Myfedloans despite having most of my loans newly paid off. They told me they couldn't stop the payment, but if I called back after the fact they could place it all on the loan of my choosing. I called back and they said that they couldn't change anything. After my loans were paid off my monthly amount due initially went from {$1600.00}, to {$110.00}. Now after a few days the computer has reset it back to {$1600.00}. Also, despite being paid off the system has not yet marked my loans " paid in full '' ( 15 days later ). I have discussed this staff at MyFedLoans who told me it would take a full 20-30 days to mark as paid in full, and that I " over paid '' on some of the loans and the computer would reflect that by placing that over payment on my remaining loans.

I have absolutely ZERO confidence that this company is going to be able to correctly fix any of the issues that I am having. Their customer service representatives have consistently tried to explain at length issues with my account they clearly do not understand and make absolutely no sense. Calling and speaking with their " supervisors '', does absolutely nothing to resolve any issues. I've now over paid on loans that should reflect being paid off and they are STILL trying to charge me large sums of money every month even when I have such a small loan remaining. I desperately need help. I need a definitive solution for these on-going issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
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: MoneyLion Inc.
State: OH

Complaint:
On XX/XX/2021, Money Lion appeared on my credit report showing a balance of {$500.00} for a loan. I have never heard of this company and definitely did not request or receive a loan from them. I called Money Lion on XX/XX/2021 and spoke with XXXX. She took my complaint and told me she would submit it to their fraud dept. i immediately filed a dispute with all three credit bureaus and on XX/XX/2021 I called back and was told they couldnt find a loan in my name. XX/XX/XXXX, I received an email from XXXX stating they would not remove it because its accurate. IT IS NOT ACCURATE, therefore, Im filing a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: NJ

Complaint:
I was charged over a month worth of transaction by this merchant. I contacted the bank and on the 14th day of the dispute was told they denied my dispute saying this We closely reviewed your case, including evidence provided by the merchant, and found that no error occurred. You have a right to request a copy of the documents relied upon in the investigation determination.We closely reviewed your case, including evidence provided by the merchant, and found that no error occurred. You have a right to request a copy of the documents relied upon in the investigation determination When I responded to the email and told them I was hospitalized at the time the transactions were made and sent them copies of my paperwork from the hospital they still denied my claim. I requested the documents used to make this decision I did not receive a reply. However the bank refunded two of the multiple transactions from the same merchant.Ive contacted the merchant several times since then and keep being told a manger will give me a call back and no one has returned my calls. I was told by customer service at the hotel that the rooms were booked under a last name similar to mine and the phone number nor the address listed on the reservations is mine. Yet no one has called me back to resolve this issue and the bank denied my claim simply because they can. 
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 explanation
Consumer complaint received 2018-05-30
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint:
I am attempting to link my CapitalOne account with an external application called XXXX. I am receiving a message that states this is unauthorized access. 
I have the right to see my financial accounts and to access them.

Company response to consumer: Closed with explanation