hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2023-08-21
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: EQUIFAX, INC.
State: NY

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Product: Debt collection 
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: AR Resources, Inc.
State: VA
Tags: Servicemember

Complaint:
I sent a request to validate this account I have no knowledge of on XX/XX/2016 and I never heard back from them with an original invoice supporting these alleged charges as requested. This is a violation. I will file suit in small claims court if not removed immediately by AR Resources. I also have proof ( recordings ) that they continued to call me at work after I requested them not too verbally and in writing. They have reported this alleged and unsubstantiated debt to XXXX, XXXX and XXXX which is has caused damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
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: IL

Complaint:
RE : XXXX XXXX XXXX XXXXXXXX - I was never late on this account, To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation of status of account. Under FDCPA I have the right to request validation of status of my account. you say I owe you. 
This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation

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 2021-05-06
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: Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

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 2022-10-05
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: TX

Complaint:
This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00}

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 non-monetary relief
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint:
If, after any reinvestigation under the paragraph ( 1 ) of any information diputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall .... 

( I ) promptly that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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 2022-12-11
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: AMERICAN EXPRESS COMPANY
State: HI

Complaint:
On XX/XX/XXXX, I attempted to make a payment via XXXX using American Express ' Send & Split feature. I had already successfully added a balance of {$870.00} to my Send Account ( which is required before sending funds ), but when I tried to complete the payment via XXXX, I received an error message on the XXXX app to the effect of " Something went wrong, we could not complete your payment. '' However, when I logged into my American Express account, and viewed the Send & Split balance, it showcased a completed transaction of {$870.00} to the XXXX recipient. After confusion, I reviewed XXXX again and there was no record of the payment going through. 

So Amex reflected the transaction as completed, but XXXX did not receive it. I chatted with XXXX customer service ( I have a transcript as well ) and they informed me that since the payment did not go through I would have to reach out to the bank issuer ( Amex ) to resolve it. 

I opened a dispute with Amex over it and they at first did not want to dispute it because to them, the transaction was " completed. '' I told them it was not, and sent the transcript with the XXXX agent proving this. They promised to get me a decision in 7-10 days, but have not resolved it or given me any updates. I followed up with Amex, and they continue to tell me they're " working on it. '' This is a significant amount of money that I trusted Amex to send on my behalf. And, since I still owed that money to the recipient, I had to send another {$870.00} via a different service to them ( XXXX, which did work - thankfully ). I am hoping that you can help me get this resolved, since it was not my fault and was due to a glitch on Amex or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
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: SYNCHRONY FINANCIAL
State: NY

Complaint:
Personal identity theft regarding opening credit cards using my social security number and personal information. 
XXXX. XX/XX/XXXXXXXX SYNCB/AMAZON ( bank ) 2. XX/XX/XXXX SYNCHRONY ( bank ) XXXX. XX/XX/XXXX XXXX XXXX ( finance ) XXXX. XX/XX/XXXX SYNCHRONY ( bank ) XXXX. XX/XX/XXXX XXXX ( finance ) XXXX. XX/XX/XXXX XXXX XXXX ( finance )

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 2023-02-09
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: IL

Complaint:
Ive disputed a US BKPT CT IL XXXX Reference number XXXX with the credit bureaus Experian, XXXX, and XXXX -Which two of them ( EXPERIAN AND XXXX XXXX confirmed the public record was verified by the court. I asked Experian and XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 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 explanation
Consumer complaint received 2019-05-05
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: TX

Complaint:
THE 3 BUREAUS AT IT AGAIN putting their names on other company hiding as another company so they don't have to honor the opt out b/c of ID theft of Ftc violation s

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 2023-08-08
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: FL

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint:
I have played all my collection accounts off how come there still on my credit report stating open account XXXX. XXXX. I paid off all of them. Its affecting my account I have sent many dispute letters and its still on there why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Product: Student loan 
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: LA

Complaint:
I began repayment of a private co-signed student loan on XX/XX/XXXX in the original amount of {$16000.00}. As of today, XX/XX/XXXX, I have paid a total of {$21000.00} with {$8600.00} allocated to principal and {$12000.00} allocated to interest. However, {$13000.00} was added to my principal in the form of capitalized interest. My present balance on the loan is {$15000.00}.
{$470.00} is the only amount out of my {$21000.00} worth of payments that has been used to pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: JPMORGAN CHASE & CO.
State: VA

Complaint:
On XX/XX/XXXX, made purchase of XXXX XXXX Ticket Number XXXX in the amount of {$220.00}. Dispute was initiated for same on or about XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX made refund to card for a different ticket number ( XXXX ) and amount ( {$220.00} ). However, because the ticket numbers both end in same last XXXX digits, Chase Bank erroneous believed that I had both been credited from the dispute and via refund from merchant, XXXX XXXX, and rebilled my account for {$220.00}. 

Upon attempting to utilize XXXX XXXX Ticket Number XXXX, on XX/XX/XXXX, merchant advised that the ticket was in a dispute status and could not be utilized. Therefore, because of Chase Banks erroneous rebilling, as merchants refund received was for ticket number XXXX, not the disputed ticket number XXXX I am requesting that this amount ( {$220.00} ) be credited to my account - the amount paid for XXXX XXXX Ticket Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint:
One day, when logging into my account, I noticed that there were quite a few fees charged for " non chase ATM fee - Inq ''. I immediately thought that this was strange as I have the chase app on my phone as well as online access to check my account. I would never need to check my balance at an ATM. I called Chase and let them know that I did not do this and they agreed to refund the fees. Then, a few days later, I noticed that there were even more fees and also ATM withdrawals from my account that I did not initiate. I believe that my debit card must have been skimmed at some point and the thief 's were checking my account balance so that they could withdraw funds. I immediately called Chase and let them know that my debit card had been frauded and filed a claim to get my funds back. Initially, Chase refunded the withdrawals and fees that were taken out of my account. However, about a week or so later, I received communication from Chase that my claim was being denied and that they were reversing the refund of the disputed transactions. I called Chase to find out why this was being denied and to try and file an appeal. They stated that since I had logged into my account the day the original fraudulent transaction occurred, and did n't report it immediately, that they consider the withdrawals correct and made by me. This is ridiculous! Many times such things as withdrawals or charges do n't show up online until the next day! I spoke with a supervisor at Chase and they told me the same thing, the withdrawals were considered " correct '' and done by me because I logged into my account that day. I asked the supervisor to please provide me with the locations of the withdrawals and to provide pictures from the ATM showing the person who was making the withdrawal. I was told that Chase would not release that information to me and to file a police report and have the police contact them for this information. I used some profanity and told the supervisor that Chase were criminals. I then went to the police to file a report and was told they do n't deal with things such as this as it was under a {$10000.00} claim. Now I 'm stuck without any other options pursue to somehow get this resolved and do n't know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17
Product: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint:
I received a call from Pro Com collection agency. I asked what the bill was that they were trying to collect on since I pay all bills recieved. They told me that the bill was sent to them by XXXX XXXX ( labratory billing service ) and that the bill was for a XX/XX/2019 date of service in the amount of {$44.00}. They were not able to give me an account number. I went on the XXXX XXXX of IL website and did not see a claim for that date/amount. I then called XXXX XXXX and spoke to XXXX. She said that they had never received a claim for that date/amount but that I did have a claim for that date with XXXX XXXX XXXX XXXX She then called XXXX XXXX XXXX ( who's bill was paid in full ) and was told that I had a urinalysis on that date and that they sent it to XXXX XXXX XXXX for a culture test to be performed. XXXX handles the pathology billing. She then called XXXX and spoke to XXXX ( Supervisor ). XXXX was unable to find my name or that date of service in their system and said he had to have an account number. I have tried to get XXXX to do further research and check collection files for the last few months to find this account but they do not seem willing to do so. They tell me that they will call me back, but never do. I am at a loss, I was unaware of this bill, my insurance was never billed and now neither the collection agency OR the billing company will take the steps to clear this up. I need help!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2022-09-12
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: WELLS FARGO & COMPANY
State: FL

Complaint:
The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are thieves and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. WELLS FARGO proved themselves to be thieves. They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the executive gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! Wells FARGO we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff can't even eat! and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports it

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 2019-08-12
Product: Debt collection 
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX
Tags: Servicemember

Complaint:
I received a letter from Midland credit management company XX/XX/2019 with a threat to forward my debt to a lawyer. If I did not pay XXXX I repeatedly get phone calls from this company. I have never opened an account with this company. I have never signed a contract or opened credit with them. I am currently working on a credit valatiion letter and a cease to contact. They continually call. I want them off my credit reports as well. Companies should not have so much power to try and scare you into paying them. Everyone has problems in their life. Making threats to sue or jail seizing property is ridiculousle Than you for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
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: Experian Information Solutions Inc.
State: ID
Tags: Servicemember

Complaint:
Collection account has been paid in full on XX/XX/2020 to the original creditor of the account. Receipt proof was made available yet the account still remains the same after disputing twice. The collection agency claims their information is accurate but it is not accurate and I have proof of payment.

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