hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint:
i disputed a XXXX charge a while ago because as i said then i did not receive the items. I still have not. Yesterday i received a call message it was very hard to understand from a man in a heavy XXXX   accent saying that something was being disputed i should respond in 24 hours. i did not hear who what or a phone number so today i checked all my accounts and on my buy power the transaction was rebilled for XXXX i did NOT receive the items. i will not pay for it. Capital one in a one size fits all way simply rebilled it to my account. and this is wrong. please reverse. 
Since the pandemic people in this area have been reporting missing items they order perhaps there is a thief but i did not get the items and will not pay for them. I also had no opportunity to respond to the call since i could not make it out due to the accent and lack of clarity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: CA

Complaint:
Ive contacted all three Credit Bureaus regarding XXXX XXXX XXXX XXXX Credit Card for {$15000.00}, now it been sold to XXXX and the Inquiry that are on my report is also not mine Trans Union is giving me the most issue with this and will not help me nor remove this Fraudulent Account After sending them a New Police Report and a Letter showing this is Fraud what they are doing is Illegal. Before all of this I tried to have this fixed with the Credit Union Directly letting them know & showing them Proof that I never opened this account Ive never had a Credit Card with with them what so ever nor had I lived at the address they had for me in Texas EVER, they also refused to give me copys of the Credit Application.

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 2016-05-02
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: Stellar Recovery, Inc.
State: OR

Complaint:
I received a call from XXXX advertising their services and offering if I signed up with them they would give me a free tablet. I agreed to their services. They came out to hook up the cable and I asked for the tablet and they said I did n't get one. They lied to me. I told the person hooking up my cable that I did not want their service. the next day I returned the box, modem everything that they left. 
I called XXXX on XX/XX/XXXX once I saw I had a collection from them. They told me that I never called them and canceled my service with them so they billed me for 3 months and than sent me to collection. I did cancel my service and I returned the equipment and canceled my service again. 
I never received anything from the collection company notifying me that I was going to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Product: Checking or savings account 
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments
Company: KEYCORP
State: OH
Tags: Older American

Complaint:
1. ) The KEY bank does not allow ACH transfer to be set up with a competitive bank. 
2. ) The KEY bank falsifies its interest payment when there are no interest payments made on the account. 
3. ) The KEY bank holds back payments of bills for a long period of time and at the same time depletes the amounts from the account.

4. ) When questioned why bill pay was not executed for over 15 days ; it comes up with various excuses and delays due to postal services etc.

5. Then they cancel the payment and for that i have to wait for 10 more days to get my money back. A total of 25 to 30 days to get my money back from the time i paid a bill?

I BELIEVE THE KEY BANK IS DISCRIMINATING AGAIST A MONORITY AND SENIOR PERSON. IT ALLOWS ACH TRANSACTIONS SET UP WITH SOME BANKS AND NOT WITH OTHERS --?

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: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-06-07
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: EQUIFAX, INC.
State: MD

Complaint:
I submitted a dispute to Equifax regarding the account for XXXX XXXX XXXX XXXX XXXX to update the debt to reflect XXXX balance or paid in full/closed as of XX/XX/XXXX. I submitted documentation to support the update request. I contacted Equifax on XX/XX/XXXX and after explaining the purpose of the dispute the CSR recommended, I submit the dispute to have the account updated quickly, it has been approximately 45 days and my Equifax dashboard is still reflecting the account balance as open/never late and displaying a balance of {$9200.00}. Again, the balance should reflect {$0.00} paid/never late. Equifax stated they would contact the creditor, XXXX XXXX XXXX XXXX XXXX, to verify the account status/balance. I also forwarded the supporting documentation that states the account is paid in full and closed via mail to Equifax on XX/XX/XXXX. I requested this account to be updated since I provided supporting documentation, specifically. Again, this is a lack of attention to detail on behalf of Equifax. If Equifax contacted the creditor XXXX XXXX XXXX XXXX XXXX, they would have confirmed that the information I provided along with the supporting document is sufficient for accurately updating the account. Each time I request the information to be updated correctly, it requires a new dispute which causes further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23
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: NC

Complaint:
I sent letters with multiple request to have credit inquiries removed that I did not recognize from my credit reports. XXXX removed the inquires, XXXX and Experian refuses to remove the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint:
in XXXX of 2020 i started a dispute for the charge from XXXX XXXX. since then, i have never gotten any contact status update from discover throughout the investigation. it was always up to me to call to find out what the next step was and what was expected of me, otherwise i wouldn't hear anything. I had to do this in XXXX, XXXX and XXXX of 2020. I thought the dispute was judged in my favor after talking with discover corporate office until i went over my bank records and saw that i wasn't. the last time i reopened the case was in XX/XX/2020 for the amount of {$450.00}, still have not heard anything back about that and i wont contact them again. 

i truly think discover has mishandled the investigation and haven't done much to help get it resolved. i have supplied evidence, including pictures and statements that the merchant was caught lying and they still side with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Product: Debt collection 
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!

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 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint:
This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : 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 2019-10-15
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: Experian Information Solutions Inc.
State: VA
Tags: Servicemember

Complaint:
I have disputed a reporting issue with a debt collector XXXX XXXX XXXX. They bought a debt from XXXX that they are reporting as a real estate mortgage secured loan. The loan reporting was a personal loan. Our house was foreclosed in XX/XX/XXXX they bought the debt in XX/XX/XXXX and havent updated the file on Experian since XX/XX/XXXX. The Lien on the house was released in XX/XX/XXXX and they bought an unsecured debt in XX/XX/XXXX. They are  reporting late payments for almost 3 years and have never contacted us and the required 5 day period after they bought the unsecured debt they did not notify us. I hired an attorney and I will attach the letter sent to XXXX XXXX XXXX. I have also notified Experian several times to no avail. They will only let XXXX XXXX XXXX change the reporting. I have never entered or had an ( XX/XX/XXXX as they did not do as they said they would and erase the erroneous info ) agreement with XXXX XXXX XXXX and have asked them to remove this erroneous account to deaf ears. They claim it is a mortgage and an installment loan and it is clearly not. I have sent the documentation including all deeds and XXXX XXXX County deed and sale records. XXXX XXXX XXXX is not listed. They are reporting this as a payment loan when it is simply a collection that they are illegally reporting as a mortgage. 
I am asking to have this account removed and placed as a collection. I entered a temporary payment agreement with them and promised by XXXX XXXX that they would erase the erroneous reporting and nothing was done. They actually updated the account to current and made our situation worse. Please delete this illegal account Ty

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 2022-09-08
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: Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-05-09
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: FL

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and XXXX aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint:
I have sent via mail, fax, site upload the required documents to block a fraudulent account on all my credit reports and neither bureau will follow rules and remove the information. This is a serious matter that needs attention immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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: FL

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX 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 an account without my written instructions

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: Experian Information Solutions Inc.
State: WI

Complaint:
On XXXX XXXX, 2017, Experian experienced a security breach and according to their reports, I was a victim of this breach. I 've had to add credit freezes to my account at each of the 3 major credit reporters ( Experian, XXXX, and XXXX ) because of this breach. My state requires that I have to pay a {$10.00} fee to each to of these companies, so I 'm paying good money and will have to deal with these freezes in the future because of Experian 's neglect.

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 2018-12-29
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: FL

Complaint:
I am suffering a hardship and dealing with raising my nephews whom were displaced as a result of Hurricane Michael this past XX/XX/XXXX. One has been sick and I was in the hospital recently as well. I got {$72.00} in fees for a {$17.00} shortage. Outrageous! I am asking for a refund of the fees.

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 2021-03-10
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: Experian Information Solutions Inc.
State: SC

Complaint:
The bureaus are reporting inaccurate, unverified accounts on my credit report. This is impacting my ability to better my life. I need these things corrected on my credit report as possible as possible.

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