hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2017-06-09
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:
There were  XXXX  unauthorized atm withdrawals in  XXXX  :  XXXX   XXXX  - {$400.00},  XXXX   XXXX  {$100.00},  XXXX   XXXX  {$200.00}, for a total of {$700.00}. The withdrawals were not in the city in which I reside nor did I authorize the withdrawals. I was at work the days of the withdrawals. Once I noticed my account was low, I looked through my statements to see what was going on, and that was when I called to report the theft.   XXXX  I filed a complaint with the bank, at which point they put the money into my account. Upon reviewing my account today -  XXXX / XXXX / 17 , the bank reversed the decision to refund my account, withdrawing {$400.00} and {$200.00}, with the {$100.00} claim still under review.   XXXX  Today,  XXXX / XXXX / 17 , I filed a complaint with the  XXXX  Police Department for identity theft. I did so because the bank told me that they could not provide the information of their investigation in which they determined I was liable for the money, nor could they provide the video from the ATM. They stated that I must subpoena the information, which can be done by the police.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03
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: AR

Complaint:
I pulled my credit to myself for the first timE and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint:
In XX/XX/2019, I signed up for Bank of America credit card. I received the card and promptly registered my card online. At the same time, I set up an autopay option to pay my credit card automatically when payment was due. During the autopay payment option selection, I chose the pay " Amount Due '' option versus the " Minimum Amount Due '', believing that Amount Due doesn't mean the Minimum Amount Due. Turns out, the Amount Due selection is the SAME THING as the Minimum Amount Due option and when the autopay was applied for my statement on XX/XX/XXXX it only applied the minimum {$25.00} due. Bank of America then in turned charged me {$27.00} in interest on XX/XX/XXXX. 

I called in to dispute this and call out the deceptive and confusing wording for the autopay options but they are refusing to refund my interest charge because " I should've known there's a difference in the options ''. This is clearly deceptive practices from Bank of America and I would like my interest returned to me and for them to clearly word and differentiate their options in a non-deceptive manner.

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 2023-08-12
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: EQUIFAX, INC.
State: TX

Complaint:
I am writing to file a complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. The credit bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} ; XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Product: Debt collection 
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: DE

Complaint:
After reviewing the credit profile on XXXX, Jefferson Capital continues to furnish a collection from XXXX XXXX. Made several attempts to contest to contract and validate the signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint:
While reviewing a copy of my Transunion report I noticed an unauthorized credit inquiry being reported. The company listed below should n't have been allowed to access my personal credit information or put a credit inquiry on my file because they did n't receive any type of authorization from me prior to doing so. XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX2016 ) I am requesting the above unauthorized inquiry be removed immediately from my credit report. Again, I did n't authorize any employed at the above company to make this inquiry or access my credit report. Please remove the inquiry from my report as pursuant to 15 U.S.C. 1681b Section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act that states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by the consumer. This is a breach of my privacy. I sent a letter to the above company asking them to remove the inquiry and 60 days have passed with no response or action taken.

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 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: WA
Tags: Older American

Complaint:
I received a email from you saying that Experian has responded. Well the information they respond with is not only incorrect but it extremely confusing to figure out. I previously submitted a complaint XXXX. I still cant log onto their website and can not change pw or username. Its broken. Cant call they dont answer the phone after many attempts, more than original complaint. Seems to me they are doing a good job of dodging the issue by saying the current issue is dated in 2015.

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 2023-02-23
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint:
I had financed furniture with Ashley Furniture XXXX Synchrony Bank, with a promotional finance term of 0 % interest for 12 months. After expiration of the promotion ( XX/XX/2023 ) ; bank charged me almost {$4000.00} interest on my remaining {$6700.00} ( approx. ) balance. This is absurd as i was not aware of the term " Deferred Interest Rate '' which would apply to the original finance amount, not the balance remaining. I tried calling them to negotiate it and have had requested to pay off the entire balance all in once, but they are not budging at all and being firm on the interest rate. This puts me in a off balance financial situation where i am nothing but obligated to pay this absurd amount. 
Please assist.

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: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint:
I'm trying to buy a house and noticed several inquiries that were unauthorized. According to 15 U.S.C 1681 law, there should not be any damages on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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: PA

Complaint:
I don't believe that there's been an actual investigation on these accounts, and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I'm wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? All the accounts listed below came back verified and updated after verified but continue to read completely inaccurate. Delete the following from my credit report and I'm now asking for monetary compensation for each violation. 

XXXX # Continues to read that I paid on time. Account charged off. DELETE XXXX # Reads paid until XX/XX/XXXX. At XX/XX/XXXX 12 days late. DELETE XXXX # Date opened XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX # in XX/XX/XXXX says paid. XX/XX/XXXX says 120 days. XX/XX/XXXX says 120 days again. DELETE XXXX XXXX # Reads XXXX different dates of activity. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. DELETE XXXX XXXX # XXXX last XXXX XX/XX/XXXX. Equifax last payment XX/XX/XXXX. DELETE XXXX XXXX # Account was opened XX/XX/XXXX. Last payment was made XX/XX/XXXX. DELETE THE XXXX # Report date XX/XX/XXXX. Last active date XX/XX/XXXX. DELETE XXXX # XXXX last active XX/XX/XXXX. Equifax last active XX/XX/XXXX. DELETE XXXX # XXXX last active XX/XX/XXXX. Equifax last active XX/XX/XXXX. DELETE FST XXXX # Credit limit {$0.00}. High Credit {$700.00} DELETE XXXX XXXXXXXX # Credit limit {$0.00}. XXXX XXXX {$510.00} DELETE XXXX # Closed account. Payments report good as of XX/XX/XXXX. DELETE XXXX # Date open XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX XXXX XXXXXXXX # Date open XX/XX/XXXX. Date of last payment XX/XX/XXXX. DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
I have been a customer of XXXX XXXX and this account is reporting late payments when during months where payments were made and received with this credit card. Please properly investigate this and correct my credit reports. The latest reporting error being marked late in XXXX but the company confirms receipt of two payments in 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 2020-06-22
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: AR

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$120.00} XXXX {$130.00} XXXX {$1500.00} XXXX {$5100.00} XXXX {$150.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX {$260.00} XXXX {$720.00} CHAPTERXXXXBANKRUPTCY DISCHARGEDXXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: EQUIFAX, INC.
State: FL

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). How can you say it was already processed when 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'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Product: Checking or savings account 
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Tags: Servicemember

Complaint:
I have several checking and savings accounts with Capital One Bank. Most recently, I set up a Performance Savings account, which is supposed to have a 1 % APR yield. After reviewing the account, I am only receiving a 0.40 % APR. After speaking with a representative, they stated that they are not obligated to maintain the initial APR offering. My checking, savings, and performance savings accounts are all receiving less than half of what they are supposed to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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: Shellpoint Partners, LLC
State: NC

Complaint:
XX/XX/2018 I purchased a home with Shellpoint mortgage service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint:
I settled my old capital one auto loan account starting with XXXX on XXXX XXXX, 2021. They then reported my credit delinquent on XXXX 2021 in error. Account was settled in full, and they took a long time for this to reflect in the system causing my credit to be marked as delinquent in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check
Company: BANKMOBILE TECHNOLOGIES, INC
State: TX

Complaint:
BankMobile Vibe, a division of customers bank, has not provided the terms of check cashing. You can deposit a check using the app. The only instructions is to make sure there is proper lighting, the background is neutral and check endorsed. 
A check a submitted through the app on XX/XX/XXXX was rejected because I didnt write for mobile deposit only on the back. There is no instruction to do so on the app! I was told it is told in the online account once you log in using a computer, however, that is not what you use to deposit the check! The instructions should be included on the app, especially if its a requirement! 
I have also submitted a check in XX/XX/XXXX that was approved and cleared and it didnt state for mobile deposit only. An institution can not pick and choose when they want to enforce a rule! 
I am now out of town with no money because of this! I can not add those words to the check for another week! The physical check is at home! This is not right!

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 2020-09-18
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: NJ

Complaint:
XXXX XXXX XXXX Balance Owed : {$24000.00} - I was very sick and was affected by COVID. Please update late payments on this account. 

XXXX XXXX Balance Owed : {$8800.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020.

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 2022-06-14
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint:
I had scheduled a {$1300.00} payment to pay off the balance of my American Express credit card on the due date which was XX/XX/XXXX. I observed that American Express did not process my payment as I scheduled for the due date. I immediately made the payment on XX/XX/XXXX and now have a mark on my XXXX  and credit score and a late payment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Tags: Older American

Complaint:
On XX/XX/20 I deposited a cashiers check for {$29000.00} which had been sent to me to purchase XXXX. The bank froze the account. XXXX XXXX XXXX contacted XXXX in the fraud department and he decided it was part of a large scam involving stolen money. This is not true. The money was not stolen and there is no fraud. XXXX told me he would find the rightful owner and I wasn't to bother him. I had been calling him regularly. He threatened to involve the XXXX XXXX if I bothered him again. He offered no explanation for his decision on this. He became quite rude. That money has been held for no good 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 2023-08-01
Product: Debt collection 
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official
Company: CollectPark, LLC
State: TX
Tags: Servicemember

Complaint:
I received a parking ticket notice for my daughters car which I cosigned for. They don't mention my daughter 's name once. The letter is supposed to be from a debt collector. It is supposedly signed by an attorney. There address is to a XXXX XXXX in MA. XXXX XXXX XXXX XXXX MA. According to the XXXX, XXXX XXXX XXXX, Age XXXX Lives at XXXX XXXX XXXX, XXXX, MA XXXX. Not Collect Park, the name of the company that sent the letter. They have an XXXX number. XXXX, I called and got a sketchy answering machine, but it did identify as collect park. There is so much fraud going on today that I think this letter is a scam. I did not pay them anything. Their website they want me to pay at : XXXX XXXX XXXX looks fishy too. I have gotten legit collection letters before and this looks nothing like those.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
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: PA

Complaint:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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: OH

Complaint:
I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. Back on XX/XX/2021 the COMPLAINT Number is : XXXX I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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