hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card 
Sub-product: Store credit 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: CITIBANK, N.A.
State: WA

Complaint:
I had a special order from Home Depot in XX/XX/XXXX, which was charged on my Home Depot Citibank card. This order was to be delivered in XXXX of XXXX. It was never delivered. In XX/XX/XXXX I raised a Dispute with Citibank which they closed with no explanation and pointed me back to Home Depot. Inspire of my various attempts to reach Home Depot I did not get any response from Home Depot for over 6 months. Yet I had been paying my credit card minimum balance due each month thru XX/XX/XXXX. In XXXX I again filed a dispute with Citibank that the services have still not been delivered by Home Depot. At that point I had to stop making payments as I had no product for which Iw as paying for over one year already. Citibank started harassing me with collections calls multiple times a day, in the mid night and so on. Citibank also reported this to Credit Reporting agencies XXXX, XXXX and XXXX. Even though there is an active dispute with Citibank. The services from Home Depot against this transaction have still Not been delivered its end of XX/XX/XXXX. The amount is {$35000.00} approx. I m not getting any response from Home Depot still and Citibank is harassing me for the balance for a transaction which was never fulfilled or delivered. 
Kindly help me with this issue, Really appreciate your help 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
Consumer complaint received 2020-08-19
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: ALLY FINANCIAL INC.
State: GA

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. 

This repossession is inaccurate because XXXX is reporting that my highest balance XXXX $ and XXXX  is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint:
On XXXX XXXX I received an alert from credit karma stating that my XXXX XXXXXXXX account had been deleting from reporting, today I received another alert that it had been reinserted into my equifax credit file in which I have not been informed 5 days prior to reinserting 15 USC 1691i ( B ) requirements relating to reinsertion of previously deleted material. My consumer protected rights have been violated on multiple occasions and I do not understand why. Please discharge this account information from your books as it is prohibited to share transaction history 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. This company has not not provided an official affidavit of debt, proof of ownership also known as the chain of custody, nor the full accounting records public and private in accordance to GAAP ( General accepted accounting principles ). In order for a contract to be enforceable provide the key elements of a contract law including full disclosure with XXXX XXXX equal consideration, lawful terms and conditions along with the signature of both parties, please be advised an authorized representative does not make the contract enforceable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint:
I have this issue with CITI back to XXXX, then I submitted a complaints in here in XXXX, they contacted me and sent me two letters in XXXX and XXXX claiming they will solve that for me. I had attached two letters from CITI as evident. It'salready been XXXX now I still have not received my welcome bonus. I swear I will never become a CITI customer again, they have the worst customer service. But I won't give up getting my bonus back. Please see attachment how CITI promised to solve this issue for me and it's been almost 5 months it still not been resolved.

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: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: AmeriCollect
State: TX

Complaint:
I sent Americollect a letter requesting the for them to validate the debt with the following pieces of information ( please see attachment-Americollect Validation Debt request letter ).

Instead, I receive a generic letter without any of the information requested. 
Need original copy with my signature, need proof that they own or have been assigned the debt to collect, need payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint:
I have called twice and the first call the representative told me that they made a mistake and the interest charged on my account after I paid it in full was reversed. 
However, I then got a statement to pay that interest. 
I called and they said they reversed the charge, I have also closed this account. 
I called again a second time after receiving the statement and the balance is still on there after the representative looked into the issue and said it would be resolved. 
This needs to be resolved. 
This account is paid in full and I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: SC

Complaint:
Tried to dispute incorrect names that are on my report online at Experian. Would not allow me to do it so I called the number given and no matter which option I chose, I did not get anyone online and then it just said 'goodbye '. I called 4 more numbers to Experian spent over an hour trying all the different options and again no one and then 'goodbye ' or just hung up. I have been trying to get through to Experian for days and this is inexcusable.

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 2020-08-07
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: DISCOVER BANK
State: FL
Tags: Older American, Servicemember

Complaint:
On XX/XX/XXXX I submitted a request for a credit limit increase on my Discover credit card account both online and with a Discover agent. 
I knew that my credit score was more than 750 and that I have had no problems with any accounts, at all, for more than ten years. 
My Discover credit card account has been open for years with no problems and my present limit is {$5500.00}. 
Both of my requests were denied. 
I inquired, from the agent, as to the reason that my request was denied and they stated that the denial was based on a matter from XXXX when I included my Discover Credit Card account in my Chapter XXXX Bankruptcy, which was fully discharged in XXXX. 
I received a letter from Discover Credit Operations Team, dated XX/XX/XXXX, that stated the following, " Unfortunately, at this time we are not able to approve your request for a credit line increase due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT ''. 
My bankruptcy, which was fully discharged in XXXX, and the XXXX issue with my Discover Credit Card account included in my bankruptcy, are both more than ten years old now, so why did Discover deny my credit card limit increase based on information that is past statue?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc.
State: MD

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX AUTO 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 2023-05-23
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: FL

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-29
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: GA

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-04-29
Product: Debt collection 
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid
Company: Resurgence Legal Group, PC
State: CA

Complaint:
I has a credit card through XXXX XXXX and I maintained payments until XXXX XXXX raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: EQUIFAX, INC.
State: GA

Complaint:
Trying to get false inquiries and debts that I did not approve off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Product: Debt collection 
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received
Company: Alorica Inc.
State: PA
Tags: Servicemember

Complaint:
Visited XXXX XXXX XXXX in XXXX and updated address on patient form. XXXX was sent to address from XXXX year prior and I never received correspondence. No calls were received. 
On XXXX, the collection showed on my credit report so I immediately investigated and called XXXX and paid the balance owed of {$150.00}. I was told at that time the collection would be removed from my account due to circumstances. 
The collection is still showing on my account as a {$0.00} balance and the derogatory remark remains. 
I called the accounting team at XXXX and was advised they would not be removing the collection remark from my account as I " should have known '' there was an outstanding invoice. This is their billing error due to the fact they did not update my address with corrected/new information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint:
XXXX mishandled this breech and its aftermath. This is completely irresponsible use of very sensitive information. They need a solution for us NOW. Their officers selling stock days after this is very suspect as well. Your job is to protect we the people! Do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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: EQUIFAX, INC.
State: DE

Complaint:
I applied for a deferment of my loan due to a financial hardship. It was approved beginning XX/XX/XXXX and end in XX/XX/XXXX. I was advised that all late fees and would be changed to paid as agreed from the date the deferment started. My credit report still shows late for XXXX and XXXX. I have disputed this with the credit agencies and nothing has been changed. Also my payment was due XX/XX/XXXX. They approved the deferment XX/XX/XXXX. I have also asked why they are reporting these payments 30 days late when XXXX was not due to XX/XX/XXXX and XXXX was not due til XX/XX/XXXX in order to avoid reporting to credit. Since the deferral was approved XX/XX/XXXX I should not have been reported late to begin with at it was not past XX/XX/XXXX. I am attaching the approval of the deferral I received XX/XX/XXXX and sent back same day as well as proof of the late reporting of 30 days my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint:
The company has refused to provide Debit Card purchases through my checking. account without providing a reasonable explanation. Although I can change and reset my Pin I have NEVER been able to conduct a transaction using the debit card Pin method.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: NC

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX {$0.00} 30 days late in XXXX XXXX, 60 days in 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 2021-11-24
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: GA

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the XXXX. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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: Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXX XXXX XXXXXXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX since my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan. 
Thank you for your time. 

Below is an email from the loan officer at XXXX XXXX XXXX XXXX. 
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it. 

I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for 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 explanation