hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2021-02-05
Product: Debt collection 
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc
State: WA

Complaint:
On XX/XX/XXXX Synergetic Communication, Inc. sent me a letter attempting to collect on a debt they claim originated from XXXX XXXX XXXX  in the amount of {$1400.00}. On XX/XX/XXXX I sent a letter by certified mail disputing this claim, and requesting that Synergetic Communication cease any further communication regarding this issue, as outlined by the Fair Debt Collection Practices Act ( FDCPA ), and I considered the matter closed. 

On XX/XX/XXXX Synergetic Communication, Inc. sent me another letter attempting to collect on the debt they claim originated from XXXX XXXX XXXX  in the amount of {$1400.00}. The only difference between the two letters is that they changed their internal account number for the claim, even though it is clearly referencing the same disputed debt claim. 

This is an obvious attempt to circumvent my request to cease any further communication, and a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NM

Complaint:
I was notified by National Credit Systems ( NCR ) of a debt I fraudulently owed to the XXXX XXXX apartments in XXXX, TX in XX/XX/2021. I submitted a fraud claim within the month only to have the same debt notification sent again in XX/XX/2021. In addition, the same fraudulent individual used my information again at the XXXX XXXX Apartments. Both apartment complexes are within 10 miles of each other in XXXX. I have never lived in XXXX and have no idea how my information was compromised. I am shocked and disappointed that letters to NCS and the XXXX XXXX apartments have not stopped XXXX XXXX XXXX from fraudulently using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service
Company: CITIBANK, N.A.
State: AR
Tags: Older American

Complaint:
On  XXXX   XXXX ,   XXXX  , I made a {$400.00} payment to Best Buy credit card services for a TV I had intended to purchase. I never bought the TV, and when I went to cancel the payment I set up through my bank, I missed the cutoff date by a few days and the electronic payment went out. I went to the Best Buy store in  XXXX  and they told me I would have to talk to their credit card people. Citibank handles Best Buy credit card services. I contacted Citibank at  XXXX , I believe it was in late  XXXX ,   XXXX  . They acknowledged the payment of {$400.00} and said they would look into it. I never heard from them. I contacted  Citibank  again in late  XXXX  and again, they acknowledged that I made the payment. The young lady with  Citibank  stated she would assign a case number and get back to me. Shje / Citibank never got back to me.     I mentioned to them that if they sent me a check, if it did not come as a check, I would probably have treated it as junk mail / another credit card offer and toss the envelope in the trash. The young lady I talked to did not state if they had ever sent me a check. The young lady asked me for my bank routing number and account number. I assume she wanted it for two reasons. To check if they had sent me a check and if it had cleared my bank, or to electronically pay me so I would not treat their mailing as junk mail.     I will be glad to give you more information such as my Best Buy Credit Card Account number, as well as my bank routing and account number, and a screen shot of my bak statement showing the payment I made to them for {$400.00}. My bank says they ca n't help me because a 60 day window has passed from the  XXXX  transaction date.      XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , AR  XXXX  PH :  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 2023-09-04
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint:
With Bank of America, I have had multiple incidents of overdraft fees being charged to my account, putting my account into overdraft. I have had checks and/or money transfers that seem to disappear due to other random charges. It happens often. Ive had fraud charges on my account that lead me to getting new debit cards. Ive called and addressed charges such as XXXX XXXX being charged to my account ( something I do not have or use ), I would call and be told it has been addressed, only for it to happen again. There have been many instances where I have low funds in my account while waiting for a paycheck and an overdraft fee will cause my account to overdraft.

Company response to consumer: In progress
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint:
I have written to XXXX several times as well as to Transunion and XXXX  pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.

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 2022-12-27
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: Cascade CISS Holdings, LLC
State: WA

Complaint:
company below ran a hard inquiry without my consent. 
No idea what CIS XXXX is Please remove from record and I would like to report and Sue CIS XXXX. 

CIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Product: Debt collection 
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: PA

Complaint:
I spoke with Mrs. XXXX and her Manager with this company. It's been since XX/XX/XXXX that we been trying to get this debt resolve and the company and XXXX XXXX is refusing to do so. 

My husband and I leased an apartment from XX/XX/XXXX to XX/XX/XXXX. We decide to not renew our lease for Health reasons as the apartment complex was not being keep sanitize during Covid19 main peak. We were only owing the apartment {$430.00} for XXXX rent and nothing else. The apartment manager decide to retaliate against us for not renewing our lease and charge us unknown charges to us. Our contract never had a garage and we're getting fees for a garage. Utilities that were paid off and we never received any utilities with the correct amount and XXXX XXXX refusing to give us a copy of the utilities being used for the apartment. We have tried over and over many times and do not want to fix this. I have emails from the Regional manager were she states we only owe the {$430.00} and National Credit Systems is refusing to acknowledge this correct balance. We need assistance in claim Fraud against these two companies and trying to gain money from us when the amount is incorrect owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
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:
I am making this complaint of my own accord and do not consent to verification in response to Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ; reporting inaccurate information on my credit report. Due to the many errors and derogatory information on this account it was to be removed by law ; as a certified letter was sent requesting such. They did not prove a method of validation with my signature nor any other means of validation. However, it came back " validated '' with the following fields being modified XXXX type of account XXXX actual pymt XXXX activity designator. And they added another line item account from the collection agency as a separate account now listed twice with the same account number. This does not constitute as validation for either. Now instead there are XXXX accounts with infractions. 

Both agencies are in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX open XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond satisfactorily with deletion of the above referenced accounts and a free copy of my report after the changes have been made will result in the above actions being taken against your company ( XXXX ). 

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. ). Please note that I am keeping records and communication for the purpose of filling a future complaint and seeking litigation and {$1000.00} per violation. I will be seeking { {$1000.00} } per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of15U.S.C1692g 4 ). Violations of 15 USC 1681b As I requested prior in writing via certified mail, as well as now here, I will continue to take this item further if needed. Once again, I demand that these accounts be deleted immediately or I will file litigation. As they sold the account numerous times, without my consent or acknowledgement the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information 5 ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent.

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: EQUIFAX, INC.
State: CA

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  ( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Product: Checking or savings account 
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint:
From XXXX J.P-Morgan : Your account-access has been limited due to fraudulent activities. Please visit XXXX XXXX XXXX to unlock your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: EQUIFAX, INC.
State: FL
Tags: Servicemember

Complaint:
I called XXXX XXXX XXXX and they did not have the amount that is reported on my credit report for {$100.00}. I wanted to make a settlement and have it remove off of my credit report but they could not help me. The name they have is my maiden name which is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.
State: CA
Tags: Servicemember

Complaint:
I requested a copy of my credit report on XXXX-18 and discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.

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 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint:
XXXX XXXX has accepted arrangements for my car loan payments for XXXX, XXXX and XXXX of 2020. Under Section 4021 of the CARES Act, XXXX is to not report a payment on my account as late after agreeing to accommodations. They refused to stop reporting these payments even though I made all the payments according to the accommodation. All attempts to dispute this information through Experian have resulted in the information continuing to appear in the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: Nelnet, Inc.
State: TX

Complaint:
I attempted to purchase a home and was told I had student loan debt. And because of this, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Product: Debt collection 
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: The Outsource Group, Inc
State: FL

Complaint:
the calls started on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX then it stopped. It wasn't until XX/XX/XXXX is when they started calling more than once. I've received phone calls once every 3 to 4 days and i already told them I'm a stay at home mom on XX/XX/XXXX so when i have money to spare the balance will be paid. Sometimes i get calls multiple times a day, the calls have been made on these days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint:
On XX/XX/2021 I filed a dispute with Equifax regarding a XXXX XXXX Home Mortgage account listed on my report. I received a report from equifax ( confirmation # XXXX ) stating the account was verified. I sent a follow up letter on XX/XX/2021 asking for a re-investigation. I received no answer. On XX/XX/2021 I se t a factual dispute regarding this account as it was still reporting on my credit report. As of today XX/XX/2021 I still have not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
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: NJ

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
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: Experian Information Solutions Inc.
State: DC

Complaint:
XXXX XXXX XXXX report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. XXXX XXXX XXXX   received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account. 
In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX. 
In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, XXXX XXXX XXXX received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days.

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 2022-12-02
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: EQUIFAX, INC.
State: CA
Tags: Servicemember

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 CARD : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service
Company: AES/PHEAA
State: MA

Complaint:
I needed to have my loan payment recalculated because of changes to my income. I explained to the customer service rep that I did not want any interruption in making qualifying monthly payments towards PSLF. They said if I had my paperwork in on time ( XXXX ), I would not see an interruption. I did this. The same day, I received a notice that my loan had gone into forbearance. This surprised me because I had not asked for a forbearance and had explicitly asked about making sure I was making monthly qualifying repayments. I called the next day XXXX and requested the forbearance be removed. I was told it would be removed as of yesterday XX/XX/XXXX. It was not. Today XX/XX/XXXX I called and was told it would take 2 weeks. They directed my call to someone who took no responsibility for the inaccurate information and was not able to make any changes to keep up with the commitments that customer service reps had repeatedly made to me. They did not even make an empty promise to follow up with those reps to ensure they give other customers accurate information. 

As a result of this misinformation, a routine request for repayment recalculation has resulted in a month delay for when I will be able to file for PSLF. The final person I spoke to said I should consider it a privilege to work in public service and was minimizing the impact this had on me. 

I'm happy to provide my account number or any other details that would be helpful.

Company response to consumer: Closed with non-monetary relief