hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2020-07-12
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: Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint:
My credit card was fraudulently charged by XXXX via XXXX on XX/XX/20 for {$210.00}. I can not connect with XXXX to file a fraud claim since I don't have a XXXX account. I disputed with my bank - Chase, however Chase said a tracking number indicated something was delivered to my address. I or anyone I know never placed any order with XXXX nor did I receive anything from the company. I requested Chase provide detail order info regarding the fraud charge and supervisor call back. However I simply got a letter indicating that the charge was valid without any order info. I tried to call the number on Chases letter to reach the fraud department however the phone line is not taking any calls. 

This is not acceptable even due to shortage of staff during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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: CITIBANK, N.A.
State: FL

Complaint:
I have been trying to dispute this account multiple times and have not received the proper updates. The dispute started in XXXX of XXXX and it still has not been reflected in my credit reports from XXXX and XXXX as being disputed. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishes of information to consumer reporting agencies- ( XXXX ) as the account was not noted as being disputed within XXXX  days. Additionally, 15 U.S Code 1681a ( 2 ) ( A ) I states that transactions should not be included in a credit report, but this late payment is still being reported, resulting in another violation of the XXXX code.

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 2022-11-01
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:
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. 

XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
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: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint:
XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from 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 2020-03-19
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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint:
I am a XXXX  CREDIT CARDS NEW CUSTOMER. I opened the credit card account with CAPITAL ONE in XX/XX/2020 and now it is XX/XX/2020. I make my FIRST on time payment with the minimum amount and nicely ask for a fee waiver of {$8.00} when I realize I am being charged that amount in interest fees for not paying a much higher amount or pay in full. This is only 3 days after my payment. I say to them that this blew me off since Im a new customer and my account has not been in delinquent state. My request was DENIED, when the reason of my call was to pay my balance of {$460.00} in full. I do not understand the why CAPITAL ONE has an ESCALATION department when they dont help the customer. I mean what are they getting paid for? To make the bank loose money and customers? Clearly I am not rich and if Im taking of my time to go through all these departments is because I need those {$8.00} dollars back. I work very hard to give my money away like that. I ended up closing my account because I didnt like the way I was treated by first, associate ( who seemed to take the situation personal and almost hang up the phone on face ), then supervisor ( who lied to me, saying that there was no other department that I could seal to being the fact that I was upset ) and then the escalation department ( who also seemed to take the situation very personal when I asked to speak to someone above her ). Its crazy how the this bank handles their business. I mean they prefer their clients going into debt collections, credit history downfalls, company reputation for not issuing a refund to a customer thats asking to make payment in full to their first balance. Its crazy how some people are being hired and wont help clients build a good and healthy credit relationship and history I mean all I was trying to do was pay up my debt before more interest gets accumulated. UNBELIEVABLE the training these people are receiving up in Florida. 

Attached is a picture of of account and the interest charged right after my payment. I also have the audio of the phone calls I made to Capital One today and all the times I was told NO for an answer and I was not listened because, Why would they pay attention to me when their answer is a Default. Because according to them, they cant waive a fee that has been waived to me in the past with Capital One itself at the supervisors discretion. The typical answer that is so overrated that the their system doesnt allow them to waive a fee, when I know is a lie and I tell them that Im the audio. Capital One itself rules that fees can be waived at their discretion. 


This is the agent I spoke to from the Escalation Department. 

XXXX XXXX Florida The supervisors ID is XXXX, also located in Florida.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
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: NY

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. 

Dept of EdXXXX, Dept of EdXXXX, Dept of EdXXXX 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 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.

- There are several inaccuracies being listed on 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 non-monetary relief
Consumer complaint received 2018-03-13
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT DUE TO ID THEFT / CRA VIOLATION LATE PAYMENT THAT I NEVER LATE / TOO MANY DIFFERENT NAME, ADDRESS, AND INQUIRIES NOT AUTHORIZED BY 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 explanation
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process
Company: DigniFi
State: AL
Tags: Servicemember

Complaint:
Company is refusing to accept full payment of the account balance. All previous payments have been made via ACH bank transfer. The company is now refusing to process the payment via bank account and requiring me to use payment methods that will incur additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint:
XXXX XXXX XXXX XXXX  is reporting twice. Ive asked them to remove the error. I was told well if you pay your debt it will probably update. 
How can they report the same account twice with different amounts and payment dates? She yelled and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Product: Debt collection 
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: FL
Tags: Servicemember

Complaint:
I applied for a credit repair credit card after reading an ad on XXXX in an attempt to improve my credit score. XXXX XXXX Bank sent a card 2 years ago and after reading the contract I did not agree with the terms cut the card in half and sent it back. XXXX said I owe them XXXX in fees and sent their bill to the XXXX credit reporting companies in an attempt to collect a debt not owed and additionally sent it to collections with Midland Collections which in fact it is the same company owned by XXXX XXXX Bank. Now XXXX intities are reporting to the XXXX credit bureaus. I did not use the card and returned it therefore feel this should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Product: Debt collection 
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Tags: Servicemember

Complaint:
Almost every day for the last month or so I have been getting repeat calls from this number or blocked numbers. I was able to verify that I do not own any debt with them. The callers are extremely rude and prone to use foul language. I live in XXXX and they are looking for some XXXX from another state. 

Portfolio recovery associates XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
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: OH

Complaint:
XXXX of 2019 it was brought to our attention by XXXX that our bill was delinquent and that we owed {$120.00} which was promptly paid. The account was set up on direct withdrawl and the card had expired which we were never contacted. The amount was promptly paid in XX/XX/2019 with no monies owed aside from our monthly bill from that date until now. I provided the information to TransUnion and XXXX where it appeared, screenshots and account status, XXXX  has removed the inaccurate reporting however TransUnion replied that the account has been verified which is not possible, my account evidences this. This is keeping myself and my wife from being able to refinance our home due to the score this is hurting. I can provide statements to show the discrepancy was paid on XXXX XXXX, 2019, I can provide a copy of my account evidencing, I can also provide the proof that XXXX  removed this from my account.

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 2020-04-07
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: OH

Complaint:
Many years ago I owed XXXX {$630.00} for a phone bill. 

The debt was sent to collections. 

XXXX XXXX was the debt collector. 

I settled for less than the full amount and received a Receipt saying that I settled for less than the full amount. I paid {$380.00} and I attached that receipt to this complaint and also gave it to XXXX and the new collection agency. The remaining balance on that account was {$250.00}. 

Recently, XXXX sent the remaining Balance to a new collection agency even though my recipe shows I settled for less than the full amount and clearly states they will not purse any collection activity. 

Now, a new collection agency, Allied Collection Services, is reporting on my Credit Report for the remainder of that balance.They say that until XXXX tells them not to collect they will continue to collect regardless of my recipe saying I settled with XXXX. 

XXXX says there is nothing they can do. They see that I settled for less than the full amount but the system does not allow them to change the balance. 


Companies Involved : XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX Allied Collection Services ( 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 2020-12-16
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: EQUIFAX, INC.
State: FL

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: TX

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 an account without my written instructions.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Product: Debt collection 
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint:
I've reached out multiple times the past months to this collection agency asking for proof of debt verification and my signature releasing my personal information to the agency with no response from them. I have sent letters through mail and email, also called them. Still same result no response back and its been months of this. This violates HIPPA and still no response from them through mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
I have notice two accounts on my credit report that does not belong to me : 1XXXXXXXX XXXX  Account # XXXX 2. ( Original Creditor : XXXX XXXX ) Account # XXXX I am a victim of identify theft and I have filed a FTC report and XXXX complaint as well as a direct dispute with the credit bureaus to put them on notice of these inaccurate accounts.

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 2015-06-25
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: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint:
I was part of a XXXX company with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to CACH , LLC, who hired the XXXX in Arizona to attempt to collect the debt from me. 

I requested in writing, well within the 30 day time frame, for CACH , LLC and the XXXX to validate this debt, and and my request was IGNORED. CACH , LLC, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since CACH , LLC, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If CACH , LLC attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief