hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2021-01-08
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: NJ

Complaint:
Federal Student Loans Reporting on my Credit Report XX/XX/2018 {$2300.00} XX/XX/2018 {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Product: Checking or savings account 
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint:
I have a security/safety box with Chase Bank that I used to secure valuables that are not needed in a constant basis. I recently went to Chase Bank on XX/XX/2022 to discovered that I had no security box. Lead Associate XXXX XXXX advised me that Chase Bank had an audit by an independent contractor and the boxes that had mismatched numbers with their computer system were drilled and taken. 
1 ) no notice was given to us BEFORE this took place 2 ) no notice was given to us AFTER this took place. 
We found out when we are about to go on a trip and while attempting to collect some of our valuables, we discovered this! 
I made an escalation complaint with Chase in which they manager only wanted to have information about the branch and said had no control over collecting my security box back or expediting the process. I spoke today with the branch associate who notified me they received a response to the fax sent to this " audit '' company on XX/XX/2022 and advised that it will take 7 - 10 days for the branch to receive my valuables as they were sent via USPS. HOW IN THE EARTH IS THIS COMPANY SENDING MY VALUABLES VIA USPS!! if we contract for a security box is because we need our valuables secured and we need to be able to reach them at any given time!!!! I am asking that you provide assistance to recovered my valuables and I am asking that an investigation is done on this process. I dont even know if I am going to get all my valuables as I did not think about creating a listing or taking pictures as I blindly trusted a bank institution of the size of Chase. Now I have to trust that the listing of valuables they will provide is correct????? I am asking for your prompt help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint:
I had 3 fraudulent charges from my Chase Checking account. Chase reversed the first 2 charges and not the third saying their company policy is to only reverse the first 2 charges because they have a 60 day time limit. The 1st charge was {$54.00} in XX/XX/2018, the 2nd charge was  {$180.00} in XX/XX/2018 and the 3rd charge was {$530.00} in XX/XX/2018. I can't get passed anyone at Chase because all they are telling me is that it is company policy. When I originally filed the claim they told me it had to reported within 60 days which I thought I did seeing I filed the dispute in XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
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: EQUIFAX, INC.
State: WI

Complaint:
On XXXX I sent a letter due to inconsistencies and inaccurate information reporting on my account. I specifically requested for the following account to be deleted from my report because it was reporting inaccurately as an " Open account '' When I reviewed my credit report again on XXXX, XXXX, and XXXX. To date, the account still reports incorrectly with an " Open status '' Since then, the creditor noted " Dispute resolved ; reported by grantor '' but nothing has been resolved or updated. This is a violation of my rights as a consumer and my concerns are not being addressed. Please remove the following account from my credit profile per the FCRA 15 U.S. Code 1681 : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint:
This account is currently in litigation the data furnished continues to ignore disputes asking for an update of the credit report to reflect current litigation.

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 2023-09-13
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint:
This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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

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 2018-09-10
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: Experian Information Solutions Inc.
State: NY

Complaint:
I have contacted all 3 credit bureaus regarding an account that is appearing on my credit report from XXXX XXXX XXXX! It is showing this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and charged off as bad debt on the amount of {$550.00}, this is NOT my account as I am a New York State resident and XXXX XXXX credit cards are not offered to consumers in this state! I have lived in NY state since XX/XX/XXXX and have supplied sufficient proof of this and I want this account removed from my credit reports 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 2021-03-22
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: Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MN

Complaint:
XXXX XXXX is reporting a negative account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. XXXX wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged charge off account. XXXX XXXX XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. XXXX XXXX also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting XXXX XXXX to delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.

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 2019-01-31
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: PA

Complaint:
on several occasions I received letters and calls from collection agencies regarding accounts that DO NOT belong to me. my identity was stolen and used to open fraudulent accounts. I need this fraudulent information removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
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: FL

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-01-15
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: FL

Complaint:
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

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 2023-03-18
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: NC

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1400.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; 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 2023-01-12
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: PA

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00}

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 2022-05-05
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: SYNCHRONY FINANCIAL
State: TN

Complaint:
Hard inquiry appeared on credit report on XX/XX/2022. Inquiry was from Synchrony Financial as stated in credit report on XXXX XXXX. This inquiry was not authorized by me. Contacted the institution and told them the situation. The representative of the institution told me that a credit application had been filed in my name. The representative stated they stopped the credit application and advised me to file a fraud victim statement with each of the three credit unions.

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 2019-08-24
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: EQUIFAX, INC.
State: MA

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see inaccurate information across the three credit reporting bureaus. As you can see Date of Last reported, date of Last Active, as well as payment status shows different information. I attached a  screenshot of the exact report I received. 

I hope you take this seriously. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Product: Student loan 
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments
Company: AES/PHEAA
State: MI

Complaint:
I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust who has no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is the AES and NCT wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Product: Debt collection 
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: NY

Complaint:
Sometime between XXXX - XX/XX/XXXX, XXXX began calling me claiming that I owed {$210.00} for cell phone service, after I had changed to another provider. I explained that I could not this amount. They insisted but would not provide me the dates of service. I then requested the bill and usage information for the bill that they were trying to collect totaling {$210.00}. XXXX sent me the requested information which showed that I could not possibly owe {$210.00} based on their own usage records. I called the company numerous times but no one would review the bill. They insisted that all they could do is collect the money. XXXX refused to listen to me about that even their own records show that I do not owe XXXX. Rather than investigating the matter and checking their records, made a negative reporting to the credit bureaus and referred me to a collection agency XXXX referred me to a collection agency I have contacted the collection agency, Sequium, which stated that they can not verify the debt or state if XXXX 's bill is inaccurate. The agency stated that it opened a dispute with XXXX on XX/XX/XXXX. I dispute this account with XXXX about XXXX months before the debt was referred to Sequium. 

Attached is the bill with the usage information and a letter that I wrote to Sequium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: LA

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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
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: AFNI INC.
State: TX

Complaint:
This account is not mine. Its been removed from credit reports and reinsert back to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card 
Sub-product: Store credit 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: CITIBANK, N.A.
State: FL

Complaint:
I DID NOT CHARGE ON MY CREDIT CARD.I 'M DISPUTING THE WHOLE BALANCE {$3100.00}

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