hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2023-06-12
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: TX

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 explanation
Consumer complaint received 2022-08-12
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:
Im Accordance with the Fair Credit Reporting Act Account as violates my Rights 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 a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 states. Consumer reporting agency can not furnish a account without my written consent

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 2021-09-27
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: NJ

Complaint:
XXXX XXXX XXXX XXXX On XX/XX/XXXX i sent out a dispute stating that my charge off was reporting C/O every month and for that to be fixed and XX/XX/XXXX I received a update on Experian website that is it was updated but the information obviously was not its still reporting C/o every month to my knowledge under the FCRA that is illegal for the credit bureaus to do so. On XXXX XXXX i sent out a dispute on the account listening that Experian was reporting a high balance of {$0.00} and XXXX was reporting the same account high balance as {$410.00}. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is their duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. So i asked them if they could Please DELETE this erroneous item immediately but got no deleting or any information after that I have also added a screenshot of the listed account as of XX/XX/XXXX and as u can see it was last verified on XX/XX/XXXX and theres still errors on the account.. The high balance is showing {$410.00} on XXXX & experian is reporting a {$0.00} balance.XXXX Also XXXX is reporting the open date as XX/XX/XXXX but Experian is reporting it opened on XXXX Third error on this credit report is that transunion is reporting a closed date of XX/XX/XXXX Experian doesnt have a closed date

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 2022-08-31
Product: Checking or savings account 
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint:
On XX/XX/2021 I received a wire deposit for XXXX. Capital One then put a restriction on my account the next day and would not release my funds. I also received a XXXX payment in that account and they refuse to release that to me as well. When I spoke with a representative last she told me they would mail me the money but that was a whole month ago. My account has not been closed but they keep saying pending closing but it hasnt closed down. I have not heard anything back from the investigator on my case. The have $ XXXX locked in my account and will not release my funds. I missed my closing because those funds where for my residential closing of my home and I couldnt even get my home which left me and my XXXX XXXX because of Capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA
Tags: Servicemember

Complaint:
I received a credit card associated with promotional rate ( no interest ) if paid off within 18 months. I made payments that were substantially more than the minimum payment. No credit was applied to the minimum payment for the next month. The company charged me a late fee when a minimum payment would not be due. They did remove the charge from my account when I called and insisted. During the call the customer agent told me that I had to specify in my payment to pay off the late fee. The late payment was listed on my bill as a promotional fee, but on the customer agent screen she states that it was listed as a late fee. Synchrony is  charging a late fee in spite of a payment made that would cover the minimum payment for the next 3 months. They are cheating unsuspecting customers with a bogus late fee when they should not be charging a late fee due to a previous substantial payment. The late fee should be listed as a late fee. I made a payment on the XX/XX/XXXX of the month and the customer agent told me that my payment was late despite making a payment early on the XX/XX/XXXX of the month before. The scheduled payments are made on the XX/XX/XXXX of the month. They are attempting to charge a late fee even when additional payments are made to the account and a payment falls after the stated due date. I closed this account. I hate credit card companies who nickel and dime customers attempting to pay off these accounts ahead of time. Consumers should be warned about these predatory practices from Synchrony.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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: TD BANK US HOLDING COMPANY
State: NJ
Tags: Older American

Complaint:
I contacted TD Bank in XX/XX/2021 regarding a home equity loan on my co-op located in XXXX, NJ. I was assigned to XXXX XXXX, XXXX, Mortgage Loan Officer, NMLS # XXXX. After numerous phone conversations, Ms. XXXX assured me that she can process the home equity loan and that TD Bank provides financing for home equity loans in the XXXX of NJ. After those confirmations and assurances ( conversations which were recorded ), I and my co-applicant agreed for Ms. XXXX to run our credit histories and proceed with the application. After the loan went to underwriting, I was informed that TD in fact does NOT do home equity loans in the State of NJ. I left Ms. XXXX two voicemails to get an explanation, which she did not return. 

Upon this non-response, I requested to speak to a supervisor. After a few more follow-ups, on or around XX/XX/2021 ( about 3 months after my initial application ), a supervisor named XXXX XXXX finally called me back. He nonchalantly told me that TD Bank does not finance home equity loans in the State of NJ, only in NY and offered no further explanation. I requested that the inquiries be removed from mine and co-applicant credit reports because those were agreed to based on misrepresentations made by Ms. XXXX and he said he will make the request. I followed up on XX/XX/2021 on the status. The supervisor refused to speak to me and I was informed by XXXX XXXX XXXX, Loan Processor, NMLS ID # XXXX that my manager said he escalated to the appropriate parties for further research, as discussed in your last conversation with him. And as soon as there is an update someone else from that department will reach out to you. As of today, XX/XX/2021, I am still waiting on a status update and more importantly on a resolution. 

Ms. XXXX was negligent and misrepresented, lied, and took advantage of an elderly applicant ( I am XXXX XXXX XXXX ). As such, she should be immediately stripped of her license and she should not be allowed to take advantage of consumers, especially elderly ones. Because of her actions, my credit report was damaged, I am facing high interest rates with new creditors, and I have lost 3 months of time that I can not get back. 

On the other hand, the supervisor XXXX XXXX was rude and refused to talk to me and provide status update and a resolution to my case. He should not be in the supervisory position and should be providing me with an apology for the way he spoke to and treated me. He should be enrolled in an extensive training program. 

I demand that the credit inquiries be removed from mine and my co-applicants credit reports due to negligence and misrepresentation and that Ms. XXXX and Mr. XXXX face consequences for their actions to protect consumers like me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
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: GA

Complaint:
I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

XXXX XXXX  bankruptcy and XXXX XXXX bankruptcy was verified to my account without being verified Account names XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX Credit Coll Account number : XXXX XXXX Credit Coll Account number XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : 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 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 non-monetary relief
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized 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 2018-03-27
Product: Debt collection 
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: ECMC GROUP, INC.
State: NY
Tags: Servicemember

Complaint:
It has been over five years since ECMC has first contacted me about a student loan debt that is not mine, that was the first time Ive heard about the 1987 debt, I have written many letters explaining the debt is not mine, and it may have been obtain through fraud, at my request they sent me a copy of the original contract and a default judgment, the SSN, middle initial, address and signature are not mine. I have never attended the school listed on the contract, they have created a computer generated document with my correct SSN and attached it to my name. 
I believe ECMC has continued to force this debt onto me for financial gain, which has cause me many pain and suffering

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 2021-03-15
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Continental Central Credit, Inc.
State: NM
Tags: Servicemember

Complaint:
I received a bill for XXXX from Continental Central Credit , Inc supposedly for XXXX XXXX. I called this collection agency and they do not answer their phone. I called XXXX XXXX and they said I have a XXXX balance and will be sending me a statement. The hospital where I receive XXXX XXXX was hacked and medical and personal info was taken. I think this is a scam so they could get a small payment and then use this info to drain my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Tags: Older American

Complaint:
BANK OF AMERICA IS HOLDING {$10000.00} OF MY MONEY IN MY CHECKING ACCOUNT THE ACCOUNT IS CLOSED AND I HAVE ANOTHER CHECKING ACCOUNT WITH BANK OF AMERICA. 

I NEED TO TRANSFER THIS MONEY TO MY NEW CHECKING ACCOUNT. 
IT IS UNFAIR OF THEM, I NEED THE MONEY TO PAY MY BILLS & I CANT. 

I HAVE NO CLUE WHY THEY ARE HOLDING THE MONEY, AND THEY HAVE NOT RESPONDED TO ME. 

I HAVE SPENT HOURS ON THE PHONE TRYING TO GET INFORMATION, TO GET A DROPPED CALL.

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 2018-03-09
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: Upgrade, Inc.
State: TX

Complaint:
I applied through XXXX XXXX of XXXX for a personal loan. I understand XXXX XXXX shops for the best loan offer with outside XXXX. I received an email from Upgrade and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that Upgrade and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from Upgrade or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed Upgrade sent XXXX emails to me, dated from XXXX to XXXX. It was on XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from Upgrade. I contacted Upgrade and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XXXX. The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: MD

Complaint:
In XXXX  XXXX XXXX  closed my account and charged it off as bad debt for which I received a XXXX and it was filed on my tax return. Though the debt was charged off, my credit reports drill reflect the full balance. In efforts to get the situation resolved by making a payment toward the balance, XXXX XXXX  does not allow you to make a payment with them. When calling back, XXXXXXXX XXXX leaves me on hold for extended periods of time. It is illegal for XXXXXXXX XXXX to take the full balance from me on a debt that they have already charged off and received tax benefit for. It is unfair for XXXX XXXX to let my credit continue to be negatively affected.

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 2022-02-04
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: Experian Information Solutions Inc.
State: CA

Complaint:
XX/XX/XXXX / 30 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2023-08-31
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: In progress
Consumer complaint received 2019-03-28
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: FL

Complaint:
Please deleted this incorrect information.I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: DISCOVER BANK
State: NJ

Complaint:
To Discover, XXXX, XXXX, XXXX, & NJ Attorney General A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX, XXXX, & XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with Discover in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by Discover regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Product: Debt collection 
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: Bass & Associates, P.C., Attorneys at Law
State: TX

Complaint:
On XX/XX/2020, I called and spoke to a representative of Bass & Associates, PC in order to validate the debt and any possible charge-offs against me. However, Bass & Associate, PC failed to validate any debt against me.

Company response to consumer: Closed with explanation