hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2021-04-03
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: GOLDMAN SACHS BANK USA
State: FL

Complaint:
I put in a dispute on XX/XX/2021 for a transaction I got scammed on. the transaction was for {$2700.00} made on XX/XX/2021. I got an update on the dispute on XX/XX/2021 that the results were not in my favor. I disputed this transaction because I bought jewelry in which the seller told me it had real diamonds, I took it to another jeweler, 3 to be exact and they all told me it was not real, I do have a video of another jeweler saying it was not real. I contacted the seller and requested a refund in return for his fake jewelry he sold me, and he told me no its not his problem, there is nothing he could do about it. Moral of the story he won because he provided evidence that I bought it, in which I did, I didnt dispute it due to fraud transaction, I disputed it because I got scammed. im trying to dispute that dispute and restart the " investigation '' and submit my evidence and I was supposed to get an email but haven't. im disappointed with Goldman Sachs bank and the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint:
My identity was stolen.

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 2023-04-22
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: OH

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX AV XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$160.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$680.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$840.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00}, XXXXXXXX XXXX XXXXXXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$97.00}, Medical XXXX Balance : {$770.00}, XXXX XXXX Balance : {$770.00}, XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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

Complaint:
I have been sending certified letters to XXXX XXXX XXXX, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. 
To date no credit bureau, Experian, XXXX  or XXXX have my correct information. 
I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. 

Thank you 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
Consumer complaint received 2020-09-12
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: EOS Holdings, Inc.
State: PA

Complaint:
I have no knowledge of this account so I have no information on it. The company is refusing to remove it saying it's accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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: PA

Complaint:
In accordance with the fair credit Reporting Act XXXX  Account 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.

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 2023-06-15
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: AR

Complaint:
In accordance with the Fair Credit reporting act. XXXX  account # has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX {$900.00}, XXXX XXXX {$600.00}, XXXX XXXX {$19000.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$2400.00},

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint:
I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in XXXX wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the XXXX report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong SSN numbers. 
The accounts that are not mine : XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Product: Checking or savings account 
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint:
A person went in to my account and reverse bill that I had paid and made it look it was me and I told Chase that now of it was me so they say that I od them XXXX dollars for the checks that went in my account they closed the account so I don't know how they say that I took money out and they did not tell me about what was going on tell couldn't get in my account so I fill that they wrong for not telling me what was going on when it was happening to me.i had to come in the bank to know what was up and the person that this reverse my bills that I had all ready paid I had to fright for were is staying because the person reverse XXXX months of my rent that I paid went on the computer and electronic checks from places were I went and brought at the store and wrote checks from my account that I did not know about.i need the red flag off my name because I don't od them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: SinglePoint GI
State: CA

Complaint:
XXXX XXXX Balance : {$0.00} GENERAL REV XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MS

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint:
Right before closing my account and paying it off in FULL with a XXXX balance, Capital One, inaccurately and inappropriately reported my XX/XX/2019 payment as late. This is false and has resulted in my credit score dropping several points. 



During the six plus years as a Capital One member, my payment due date has always been the XXXX. 



As proof, Ive attached a copy of my bank statement-which clearly shows that I paid off my XX/XX/XXXXbalance in FULL on XX/XX/XXXX Yet this payment was reported late to the credit bureaus. 



This was not the case A payment must be at least 30 days ( or more ) late, to be reported to the credit agencies. XX/XX/XXXX payment was paid IN FULL prior to XX/XX/XXXX. 



My multiple pleas to Capital One have fallen on deaf ears. The frustrating task of contacting customer service and attempting to reach an individual is a fools errand. When faced with the challenge of resolving this erroneous mistake, you can literally feel their reps resort to a script and theres ZERO accountability. Its like a shell company being mechanically run, with no real overhead management to resolve issues. 


I humbly ask that you modify and remedy this error, as Ive been diligently working towards building my credit. 



Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Product: Debt collection 
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: AL

Complaint:
XXXX XXXX has presumably purchased some old debt and has " re-aged '' the debt to the date they purchased it, thus negatively impacting my credit report.

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 2018-08-06
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: ABR Recovery Services LLC.
State: IL

Complaint:
On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by ABR Recovery Services. I had received neither phone calls nor written notice of this debt owed to XXXX. I have never had any business with XXXX. This is not my debt. I called ABR recovery services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from XXXX, the original creditor. I reached out to XXXX and they assured me that this wasn't my account and I have ties to this account. I attached a letter from XXXX stated that I am not affiliated with this account in no fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Tags: Servicemember

Complaint:
I made a purchase for a suitcase from an online merchant which represented themselves as an original brand. When I received the item and the purchase confirmation I realized the merchant was actually overseas but presenting themselves as a local brand. As soon as I received the item I was unsatisfied and contacted the merchant. The merchant was overseas and were limited in there English writing skills but I did get in there messages to return the item and that they would provide a refund. 

I disputed this transaction with my bank USAA initially on XXXX XXXX, 2017 the amount of {$250.00}, almost three weeks after the initial purchase. They provided me with a provisional credit right away. But it seems they needed more information on the transaction and because I did not provide it they came back and took the provisional credit back. After realizing what occurred and speaking to my bank I went to my email and provided the bank all of the requested documentation including emails between me and the merchant and USPS documentation showing the item was returned back to the merchant. 

It has now been over 100 days I still have no solution to my dispute. I 'm still waiting to have my funds of XXXX refunded. The item has been refunded back to the merchant. the merchant has stated they have requested to the bank to have funds refunded I do n't know if that is true or not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Product: Debt collection 
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: MARINER FINANCE, LLC
State: NJ

Complaint:
I had a vehicle loan through Mariner Finance , LLC in XXXX the vehicle I had financed through them was involved and considered a total loss in an auto accident by the insurance company in late XXXX the balance of the loan was paid by the auto insurance company at the time of the accident. 

Shortly after the accident Mariner Finance claimed there was a balance of roughly {$1400.00} that was not covered by the insurance and began collection activities, when I called and spoke to someone to dispute the balance they were claiming was still open I was offered a settlement amount of nearly half of that which i declined because I knew I did not owe any further money on the loan. 

As of today XX/XX/XXXX Mariner Finance has continued to report false and inaccurate information to the 3 credit bureau 's claiming that I owe them in excess of {$3.00} dollar and each month they keep increasing the amount of the debt they claim is owed they are unable to provide any verification of the debt as this has been disputed multiple times with them and each time they try to settle for 50 % of what they are falsely claiming is owed. 

If this company continues to report this false information and continues to damage my credit I will be left with no options then to take legal action against them in court,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX account # 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 section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 

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 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD
Tags: Older American

Complaint:
Credit report has and address on my report -- -- -- I never lived there -- -want it removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX NEVER LIVED AT THIS ADDRESS ON MY CREDIT REPORT WANT IT REMOVED

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 2023-04-08
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: Kriya Capital, LLC
State: IL

Complaint:
Requested an itemized bill due to company telling me the balance was high due to me owning on a phone. Although I never purchased a phone with the company. I only got phone service from the company. I never purchased a phone. Attempts to request an itemized bill was never given after multiple calls and visits to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
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: CA

Complaint:
This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These accounts do not belong to me. I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.

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 2020-12-20
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: EOS Holdings, Inc.
State: CO

Complaint:
On XX/XX/2020, a debt collections record appeared on my credit report. The debt is for the amount of {$690.00} and the collection agency is EOS CCA. After investigating further it appeared that XXXX XXXX is asking for the debt to be collected. 

When I called XXXX  they said they dont have an outstanding balance for that amount in my account. I have already cancelled XXXX but I dont owe that amount. I have never been called about a debt collection for this either. 

Yet I havent been able to get anyone in XXXX to remove this debt collection from my account. This came at a horrible time as we are trying to buy a house and now my credit score went down by 50 points

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint:
Checked my XXXX XXXX and looked at my hard inquiries and saw one from XXXX XXXX/XXXX that happened on XX/XX/2018 and i never applied for anything or did anything with my credit so i think someone might be trying to use my SS number

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