hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2017-04-14
Product: Debt collection 
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received
Company: Collection Bureau of the Hudson Valley, Inc.
State: FL

Complaint:
Shortly after having imaging the Insurance requested more information. The requested documentation was sent in a timely manner. I noticed this debt appeared on my credit report in around XX/XX/XXXX XX/XX/2017 when I had a credit report ran. When I contacted the debt collector ( collection bureau of XXXX ) they said it was never paid. I then contacted my previous health insurance company ( XXXX ) they said they see on there end where they did receive the requested information from me but somehow it was never sent to XXXX to be paid. They admitted it was there mistake, apologized and then said they are no longer contracted with my previous employer ( institute for family health ) so the ca n't do anything about the claim at this point. Last I spoke with my insurance they said they received all needed information and claim would be paid. Now I have this debt that I may have never known about if I would of never had my credit report ran.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
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: MI

Complaint:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: SD
Tags: Servicemember

Complaint:
I would like to file a complaint against the XXXX XXXX XXXX, ( XXXX ) XXXX On or about the XXXX day of XXXX I called this 3rd party collection agency to attempt to set up a fair payment plan. They declined and said they wanted the amount of {$XXXX} paid in full. This is affecting me by a hold on my SD Driver 's License. I explained I did not have XXXX XXXX dollars, I 'm on government assistants presently because of absent father 's to my XXXX children. I was redirected to the original collection agency XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. I called the XXXX and spoke to an agent but was again redirected to the 3rd party collection agency, XXXX XXXX XXXX. I 'm only trying to set up a monthly payment plan to start paying on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Tags: Servicemember

Complaint:
A late fee was charged on XX/XX/XXXX which i dont't have a problem with. What i do have a problem with is the fact that the policy of " one late fee waiver for the life of the loan '' has never been disclosed to myself in the 3.5 years that I have had this loan. When trying to talk with customer service, the reps are rude and the supervisors aren't much better in terms of being rude condescending and putting the blame back on the consumer. 

Also, I do believe contrary to the sarcastic rude supervisor i spoke with in the XXXX o'clock eastern hour on XX/XX/XXXX that banks are actually required to disclose all policies and procedures. I say this as the supervisor had the audacity to state " Citizens isn't required to disclose any of their policies to acct holders '' That phrase to me seems like a class action lawsuit just waiting to happen ( not stating anything other than what is stated, so don't read into it )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint:
To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX XXXX XXXX, and it need 's to be deleted/removed from my credit report. I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XX/XX/2022-XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND XXXX. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08
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: Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint:
I reviewed my credit report and saw an account in collections from Capital One. I have a Capital One credit card and kept disputing the item until I find out it was being reported as KOHLS/CAPITAL ONE. I immediately filed a complaint with the FTC since I have never used or opened an account with Kohls. I am a victim of identity theft and have filed complaints with law enforcement. I have begun the process of removing all items negative on my credit report that have never been opened by myself. I am attaching the proof of identity theft. 

I tried to contact the number for Kohl 's and was told they would not talk to me or dispute the item because it was done in the past. I explained to them it was not me who called or disputed anything previously, but they did not want to assist me. I explained and relayed my phone number, email address, and other personal information - all of which did not match the account with Kohls. I was told there was a letter mailed out to me, but I never received it. Approximately two weeks ago, I received a letter addressed to my previous legal name stating there would be no dispute opened due to disputes closed in the past and initiated by somebody pretending to be me and using my information fraudulently. 

Lastly, I was told the item is not being collected on and all collection activity has stopped, but it is still negatively reporting on my credit report. If this is not resolved, I will be forced to pursue legal action and help prosecute the identity thief to the fullest extent of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
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: NJ
Tags: Older American

Complaint:
I am and for years have been the holder of a Chase Sapphire Credit Card. Since XX/XX/20 Chase has been charging me for principal I do not owe and interest on those charges. Since that date I have paid only for new charges. I have written Chase 10 times since that date but have been ignored each time although Chase has confirmed receipt of my messages. Chase has refused my request to have a Supervisor review my account. Chase has refused to talk to my designated attorney, my husband. Chase has agreed with me on certain disputed items but has not removed them from my account. Chase has charged me for items they refused to pay. Chase ignores me ; hopefully they will not ignore you. The current amount in dispute is {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint:
On XX/XX/2020, I was alerted to a change in my credit score. I saw Capital One checked my credit report, without me contacting them prior. On XX/XX/2020, I called the company 's ' support line ; however, the company would not accept my calls, since I wasn't a customer. Basically, all options from the robotic call center were for customers, and I could not get in contact with anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Product: Checking or savings account 
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised
Company: BOEING EMPLOYEES CREDIT UNION
State: CA
Tags: Servicemember

Complaint:
Boeing Employees Credit Union. I before application if the inquiry to XXXX would be " hard '' ( visible to other creditors ) or Soft ( visible to only consumer ). I was told all credit or XXXX inquires related to opening a checking account would be soft in nature. However, when I pulled my XXXX report I saw a hard inquiry date XX/XX/2021. Therefore their representative misinformed. I'm planning to file a police report to have the inquiry removed.

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: Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: CA

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}.

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 2017-06-29
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: EQUIFAX, INC.
State: TX

Complaint:
Mailed to XXXX Equifax, XXXX to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
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: Statebridge Company
State: AZ

Complaint:
this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. statebridge bought loan  XXXX  2016. also, there was  a three month pa yment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: MD

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint:
Incorrect information 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 non-monetary relief
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, 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: NV

Complaint:
Experian has on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX which is wrong with no apartment number. 
Correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2019-01-31
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: NY

Complaint:
I have been a victim of 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 explanation
Consumer complaint received 2016-04-06
Product: Student loan 
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NJ

Complaint:
I had my {$490.00} payment on auto withdrawal from my account every month on the XXXX. Unfortunately, this setup only lasts for one year increments for some reason. I called Navient last month to tell them to keep my payments on the XXXX of every month because that worked for me. I just happened to check my bank account this morning and saw the payment came out on the XXXX instead. It 's my understanding that it 's illegal to withdraw an unauthorized debit from an account. I called Navient and they said they would n't have done that and will be reviewing the tapes and get back to me. I know for a fact I asked to keep my payments on the XXXX of every month because that works for me. Now I need to find another way to make rent this month because my NEXT paycheck should be going towards my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint:
I am trying to refinance my home since the rates are so low, however, my credit score has disappeared from XXXX  and Equifax. According to XXXX, it is at XXXX but the other two have shown it as frozen or non-existent. I paid XXXX  have the scores revealed there, but they are at 0. The only thing we can think of is that when we let the bank know that my mom passed away on XX/XX/2020, something must have also happened to my credit score by XXXX, as that was when I was unable to get my FICO score in my mortgage app. She helped me create a bank account and establish a credit score when I was 18 under her own account. I've tried everything from creating accounts on the credit bureau websites, unfreezing my score, calling customer service, visiting my bank, etc. but nothing has helped me to find what happened to my score. I am still paying my mortgage, I've always paid my credit cards in full and have no delinquent payments. PLEASE help me find out what happened to my score and how I can get it back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments
Company: AMERICAN EXPRESS COMPANY
State: FL
Tags: Older American

Complaint:
I have had an American Express XXXX XXXX XXXX for approximately ten years. I have NEVER been late making my payments. In late XX/XX/XXXX or early XX/XX/XXXX I secured permission to spend {$1800.00}, as I planned to travel north to visit family. I planned on purchasing furniture and clothing for my son and paying hotel bills, all just using one credit card. At the time my " Pay over Time Balance '' was about {$1400.00} with a limit of {$3100.00}, at the time adequate to absorb about {$1700.00}. When I returned home in late XX/XX/XXXX, I learned my limit was reduced to {$2000.00}. I was not able to place more than {$600.00} on pay over time, which then raised my minimum monthly payment to {$1100.00}. I have made payments of {$150.00}, {$300.00} and {$610.00}, for XXXX XXXX and XX/XX/XXXX. When I call to complain I speak to someone in a foreign country who doesn't understand English. A collector called 3 days straight harassing me and badgering me to make a payment. I have explained that my payment is " delinquent '' because they have reduced my credit limit unbeknownst to me, and that their actions have interfered with my ability to handle my other obligations, but they indicate that they could care less. All they want is their payment which is impossible for me to make. Also I had almost XXXX reward points down to about XXXX and no one can explain their disappearance. 
I am considering legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
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: NV

Complaint:
There are a few accounts listed on my credit report that I don't recognize, have a contract with or know who they are. Please delete them from my credit reports. Thank you.

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