hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2023-01-06
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: IL

Complaint:
On XXXX a XXXX tenant 's rent check for {$790.00} was put into JP Morgan Chase ATM at XXXX XXXX XXXX XXXX XXXX  branch. Machine asked for amount to be entered, I entered {$790.00} and got a receipt saying {$790.00} to be credited next business day. Same evening I got a email/secure message from bank saying " {$90.00} ATM error correction '' .. Called XXXX number listed in the message and lady on the line ensured me the full amount will be processed and deposited. Next morning on XXXX I logged into Chase account and saw {$90.00} withdrawn and {$790.00} check entered as two checks- one for {$700.00} plus second for {$90.00} without a check image ( there was no second check ). Called number again, was transferred several times, spend 2+ hours on calls including 1 hour 29 minutes hold on one of the calls. Was told that tenant needs to send me another check, that check will be send back to issuer etc. Decided to go to the branch then - team there was very forward but couldn't help saying claims have to fix that. Even though I had a copy of check receipt from the tenant and ATM receipt in my hand they still had to work with same claims team, which overwhelmingly was saying " machine read it as {$700.00} and that's it ''. No input about having a clear XXXX copy of a check or the clerk actually able to see the number on the check image correctly - nothing resolve the problem. Claims team refused to own the problem and told me they can send it back within 10 business days and I can deal with it. Went to the branch second time and branch XXXX saw how slow and unhelpful claims team is but didn't have options to enforce their cooperation or make them helpful. Issue is still pending and not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
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: DE

Complaint:
My name XXXX 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 XXXX XXXX Code XXXX 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 2023-09-01
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint:
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 this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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: Experian Information Solutions Inc.
State: AZ

Complaint:
XXXX XXXX XXXX XXXX, by way of their collection agency XXXX XXXX, is harassing me and damaging my credit by false reporting a delinquency of XXXX USD. I've attempted to dispute this with Experian twice without a fair and honest resolution. Attached is a schedule of the the original invoice, the credit for out of network, and the payments showing a zero balance. This needs to be corrected 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 non-monetary relief
Consumer complaint received 2021-08-12
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: Santander Consumer USA Holdings Inc.
State: OH

Complaint:
My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX Santander XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: MT

Complaint:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$0.00}.

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 2020-02-21
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: NY

Complaint:
I have tried to address this issue with this company I never heard of called XXXX. They are saying I signed something for them to run my credit on XX/XX/2019. 

I have called this company a few times and they had emailed me months back with a report to proof I am me and how if I did that they would remove this hard pull which I sent them my photo id to provide I am who I say I am and that I never authorized anything with there company. 

From what there company rep had said this would be removed from my credit report as long as I proved I am me. Which I feel I did. So I am unsure as to why this is still on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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: CA

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( 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 2022-10-29
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: NY

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed manyACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b ofthe FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due toidentity theft. The dispute ACCOUNTS do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 2019-06-05
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: IN
Tags: Older American, Servicemember

Complaint:
I received a call from XXXX informing me they had detected an application for a credit card with USBANK, and did I authorize this ... I replied NO. 

I called USBANK talked with the Fraud dept and was assured the application was cancelled. 

Some time later I received a USBANK/XXXX XXXX/XXXX Credit card. I immediately called USBANK and was told the card was in fact NOT Cancelled and was valid. 
... BUT ... USBANK would cancel the card immediately. 

Today ( XX/XX/2019 ) I received a CC statement with a charge for {$95.00} ( Annual membership fee ). I again called USBANK fraud and transferred several times ending up leaving a message with the Investigative Svcs Dept. No call back as yet.

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 2023-08-15
Product: Debt collection 
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint:
Have asked Jefferson capitol for original purchase agreements in writing to be sent to me along with summary of charges. To no avail. Was also never given to opportunity to opt out of any and all communication about this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint:
On XX/XX/XXXX I lost my smartphone. In it I had apps from my bank, my password, users, and the cellphone had no block code. Somebody found my smartphone and made a transfer from " My XXXX XXXX account '' to " XXXX XXXX '' for {$1000.00}. On XX/XX/XXXX I saw this fraudulent transaction and called the bank to stop it, because the transaction still had the pending status. For 3 times, the representative 's bank told me that I need to wait for this to be confirmed to start a claim. On XX/XX/XXXX I started my claim, after 5 days I received a letter where TD Bank request 45 days to investigation and my case may be resolved. The bank sent me a provisional credit until the investigations finished. Until XX/XX/XXXX I did not receive any notification from Td Bank, so I assumed that the case was resolved. 

On XX/XX/XXXX I received a letter stating that the case was declined, and the bank was going to reverse my temporal credit by {$1000.00}. The debit happened on XX/XX/XXXX and from here my account was overdrawn, causing me to pay a total of {$280.00} for returns. 

Since XX/XX/XXXX that I received the letter, I have called the bank 10 times XXXX minimum ) to claim the decision because it is illegal and it is out of time : The bank requested me 45 days and it expired by XX/XX/XXXX. Now, they said that it is 90 days. They move the date at their convenience. I checked the TD Bank website, and it never says 90 days. 

TD Bank in the letter said that the reason for the first decline was because XXXX XXXX told them that the transaction was made from my cell phone. That's true!!. I reported it from the beginning.. I " Lost '' cell phone. They did not give me a valid reason. 

Despite this, on XX/XX/XXXX I sent to TD Bank a police report ( because td bank requested it XXXX to solve the case. Additionally, I sent my phone bill, where everybody can verify that on XX/XX/XXXX I had to request a new cell phone due to the loss of the previous one. 

As of XX/XX/XXXX when I received the letter, a second case was opened to review the final decision with all the documents that I attached, and today morning ( XX/XX/XXXX ), they tell me that the " XXXX card '' does not authorize the refunds ... I have business with a TD bank account, not with XXXX ... That is not my problem! 

I don't know where the protection that TD Bank XXXX to your customers.I have given proof that I lost the cellphone.From the beginning, when the transaction was pending and the problem was little, I called the TD Bank, but the bank let this grow. Not only do I claim my {$1000.00}, but also the reimbursement of the fees caused by the debit of the {$1000.00} made on XX/XX/XXXX ( until today, {$280.00} XXXX. 
I have tried 3 weeks to solve with TD Bank, I sent ev

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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: CITIBANK, N.A.
State: CA

Complaint:
I used my XXXX XXXX Citi Credit Card to purchase airline tickets on XX/XX/XXXX for {$570.00}. This was also my full balance the XX/XX/2020 Stmt. XXXX XXXX cancelled the flight and refunded the {$570.00} for cancelled flights and refunded the {$570.00} to my card on XX/XX/XXXX. The payment for that period was not due until XX/XX/XXXX. This caused my stmt balance to be XXXX  and my Citi app said XXXX payment due. Then once my XXXX billing cycle closed my account all of a sudden said 6 days late and {$29.00} late fee. The App said XXXX due and the stmt balance was 100 % credited back for the only items charged. I messaged Citi thru app to discuss. They then started a discussion then went dark on me. So I then called customer service and spoke to a few different people when transferred numerous times. I finally was having a discussion with someone that said they should be able to credit back the fee but system wouldn't let them. They also said no supervisor was around to help me. So today I tried one last time and discussed issue with online rep. XXXX was rep name and she tried to also credit the late fee back due to the reason. She also said she couldn't do it since the system would not let her and she cant override.

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 2022-12-04
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: NC

Complaint:
In accordance with the Fair Credit Reporting act, The List of inquiry accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Product: Debt collection 
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint:
I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. On XX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father 30 miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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 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. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible. XXXX  XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX XXXXXXXX {$10000.00} XXXX XXXXXXXX {$470.00}

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 explanation
Consumer complaint received 2022-07-05
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:
Account # XXXX XXXX XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Product: Student loan 
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC
Tags: Servicemember

Complaint:
Throughout the years with all my other loans I have always been able to get Forbearance, Deferment, or Income-Based Repayment ( IBR ) but with the private loans I have to pay and every year the payment goes up ... ... ..I have no other options with the private loans at all ... .I 'm being told private loans have to be paid back and that there are no other options and that there are no loan forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
No way to access credit report or score online without paying ; requested annual credit report and received nothing in the mail. They could be illegally sharing information and not sharing my credit report history with me.

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