hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2020-02-10
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint:
I was never told by American Express that upon settling i would receive a 1099C that would affect my taxes. 

I looked up and it say BY LAW it is supposed to be in my mailbox no later than XX/XX/XXXX. It was in my mailbox on XX/XX/XXXX. I AM DISPUTING THIS AND WANT THIS VOID BECAUSE THEY BROKE THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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: PA

Complaint:
wrong info : se attachments for proof XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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: NC

Complaint:
I have sent investigation and dispute letters on the following dates : XXXX XXXX XXXX XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint:
I was charged a monthly charge by a company I don't know or had not done business with. The charge started back in XX/XX/XXXX and it went on for about 4 to 5 months ( {$170.00} ). I contacted this merchant and they could not find me in their database even though I provided name, address, my Bank of America account number ( s ). They suggested I contact  Bank of America. BofA accepted my claim and provided a temporary credit while they investigated. More than several weeks ( about more than 2 months ) without hearing back from BofA and thinking that they had made the credit permanent, they ended up sending me a notice saying that these transactions were approved and authorized by me and no further explanation and not even identifying the name of the merchant. In other words, no basic explanation of any kind was provided in BofA 's letter. I can tell you with certainty that I am 100 % positive BofA or the merchant have no evidence that these transactions were approved. 
My acct # is XXXX XXXX. Claim number is XXXX. I am complaining for two reasons, BofA inability to conduct a valid investigation or proof that I approved these charges and two the length of time it took them to resolve which I suspect is beyond what's allowed by regulatory requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16
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: EQUIFAX, INC.
State: CA

Complaint:
Inaccorance with the Fair Credit Reporting act XXXX XXXX Account has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-02
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: CA

Complaint:
This account does not belong to me, and I did not authorize anyone to use my account. Please remove this inaccurate account from my credit report. I have attached the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: EQUIFAX, INC.
State: SC
Tags: Servicemember

Complaint:
I have hard inquires on my credit report that I did not authorize. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Some one tried to use my identity for a car loan. During that time i was able to freeze my accounts, but the inquiries are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
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: CA

Complaint:
I just graduated in XX/XX/2018. Despite me paying more than the amount due each month, Navient increased the principal on my three subsidized loans. I check my student loans weekly and the principal on my subsidized loans were ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, and ( 4 ) {$1100.00} with {$0.00} interest accrued on each of these three loans, as of Sunday, XX/XX/2018. Well to my surprise, I checked my loans again on Wednesday, XX/XX/2018 and the principal for these corresponding loans was ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, ( 4 ) {$1100.00}, with {$0.00} interest accrued on these loans. As I was shocked to see the jump ( and as I have been paying down the loans with overpayments ), I was shocked to see the jump on principal. Right away I called Navient and the representative told me it was all interest that accrued, despite me looking directly at my loans and seeing {$0.00} interest for each of these three loans. Today, XX/XX/2018, there shows minimal interest has accrued for the loans at ( 1 ) {$0.00}, ( 3 ) {$0.00}, and ( 4 ) {$0.00}, which in no way explains the huge jump in my principal on these three loans. The Navient representative was not helpful when I was talking to her and she hung up on me before I was finished asking more questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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: CA

Complaint:
In accordance with the Fair Credit Reporting Act XX/XX/XXXX( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly 658.00 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.

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

15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2022-05-13
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: NY

Complaint:
On XX/XX/XXXX I received a call from the Chase Bank customer service number. The " representative '' informed me there was suspicious activity on my account and instructed me what to do to reverse it. Turns out I was tricked into sending {$2000.00} through the XXXX app which I had no idea was a separate entity from Chase bank even though it's on all their platforms. Chase has done zero to help and has treated me more like a criminal than a victim. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX Chase customer. This is a lot of money for me and has made an already hard living situation much, much more difficult. I'm disgusted by how I've been treated by this bank but at the same time changing banks right now would turn my life even more upside down. Included is the call record from the Chase number that called me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26
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: CA

Complaint:
On XX/XX/2021 I called Experian because I recognized that there were hard inquiries that were not authorized by me. Some of these were removed, but XXXX XXXX with an inquiry date of XX/XX/2021 and another on XX/XX/2021.

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 2023-08-11
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot 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 2017-11-21
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged
Company: Credential Acceptance Corporation
State: CA

Complaint:
The Car got repossessed after payment was made and also the Finance company it 's adding all kinds of fees and stalling the car from release after all fees were paid, also she does not want to provide a break down of charges, and did not want to take any other form of payments except cash, car still at the storage after 15 days and they are charging {$50.00} per each additional day, the rep at the storage garage said she still has not receive any release order from finance company yet, also the person at the finance company is not letting us talk to a supervisor, she is also very rude her name is XXXX, the personal from the storage place even called her to ask about the release form and she still did not get it done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: EQUIFAX, INC.
State: GA

Complaint:
I filed a complaint with the CFPB and the creditor of the account responded stating that my student loan accounts with XXXX loan sequence 1-5 were removed from all of my credit reports with each agency. Unfortunately this was not accurate as Equifax and XXXX are still reporting these items on my credit reports with their bureaus. I disputed the items multiple times to no avail. The credit agencies are stating that they verified the accounts while the creditor has stated that the items have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
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: KEYCORP
State: MN

Complaint:
I graduated from XXXX XXXX University and had taken out a private loan through Key Bank. Since XXXX I had been current on my payments. In XXXX of XXXX I was discharged from a bankruptcy and throughout the entire time I made payments to my loan. In the beginning of XXXX I became behind in payments. I called Key Bank the beginning of XXXX XXXX to get my account up to date and I was given the worst run around from there on. At first I was transferred to a woman from their law office telling me they never received my discharge papers from my bankruptcy ( from XXXX - which is not my responsibility seeing as how student loans are non-dischargeable ). She then told me my account was on hold and to call back in a week. I did call back in a week and I was refused payment numerous times by their employees, sometimes I was transferred to the " charge off '' department and sometimes they transferred me to their XXXX party collections who then said they were n't handling my account. On XXXX XXXX I called and was informed my account had been charged off, with no notice. It is my right to be given notice. They told me they had n't been able to give me notice because of my bankruptcy, but my bankruptcy was closed in XXXX of XXXX. After much persistence I was finally put in touch with XXXX XXXX who handles their bankruptcy cases. I called him several times in the beginning of XXXX and he always said he would call me back but never once did. I sent a written letter to Key Bank outlining my troubles and asked for a written letter back but have heard nothing. I have no information of who is handling my account now because as soon as they charged my account off I could n't make payment on the XXXX XXXX Borrower website where I always made payment. I am upset because my dad is a cosigner on this loan and now this is affecting him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
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: Bread Financial Holdings, Inc.
State: MA

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX XXXX XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXXXXXX US DEPT ED XXXX {$5700.00} XXXXXXXX XXXX  XXXX {$110.00} XXXX XXXX   XXXX  XXXX {$310.00} XXXX XXXX XXXX {$11000.00} XXXXXXXX XXXX  XXXX {$2200.00} XXXX/DOFED XXXX {$9500.00} XXXX XXXX  XXXX {$340.00}

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 2022-03-21
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: MN

Complaint:
In accordance with the fair credit reporting act convergent XXXX XXXX ( Account # XXXX ), and XXXX XXXX XXXX ( Account # XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Product: Debt collection 
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Fay Servicing, LLC
State: IL
Tags: Older American, Servicemember

Complaint:
XXXX XXXX XXXX is charging excessive fees for a foreclosure that was dismissed one year prior to my lloan being transfered from Fay Services LLC, who was sued by CFPB. My loan was transfered to XXXX instead of being properly serviced. XXXX XXXX XXXX has also misapplied payments made to my loan and has taken over {$150.00} interest monthly from the mortgage payment as attorney fees instead of servicing the loan with the payment. 

XXXX XXXX has co-mingled my mortgage loan payment with these bogus fees... According to Fay Sevicing the fees only totaled {$470.00}. Why is my mortgage payment being used to pay off fees that acure {$150.00} interest monthly. This means that neither the mortgage nor the " attorney fees '' will ever be paid off. These fees should not be comingled with my mortgage and should be billed and collectedseparately. 

When I asked to pay off the fees they took the payment and instead reapplied it to montlhly payments and took feee from the payment instead of applying to these bogus fees. XXXX obviously is unfair in its practicies and i HOPE AND PRAY that government will intervene in ensuring that XXXX is fair in its trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Kikoff Inc.
State: NH

Complaint:
Kikoff, gave me credit and didn't tell me in writing that I owed them money. They never told me I owed payments to them at all. They are totally deceptive have have fraudulent business practices. How could I pay them if they didn't send me a bill. I want the delinquent account from Kickoff taken off my credit report. I've paid my credit cards on time or in advance. 
Please don't let this corrupt business harm me and other Americans. We deserve fair businesses. And, Kikoff is not fair. There fraudulent and totally unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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: EQUIFAX, INC.
State: CA

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}

Company response to consumer: Closed with explanation