hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2021-03-14
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: JPMORGAN CHASE & CO.
State: FL

Complaint:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : JPMCB CARD that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  that opened last XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint:
I purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX CA. 

On XX/XX/XXXX I emailed the dealership requesting cancellation of 3 service contracts that they added on. 

On XX/XX/XXXX I visited the dealership in person to cancel the 3 additional contract that they added onto my purchase. ( On one contract it said I had 30 days to cancel and get a full refund. After which I can cancel and get a prorated refund minus {$35.00} service fee. ) On the other 2 contracts I have 60 days to cancel and get a full refund.

The dealership made me wait 2 hours and then agreed to cancel 1 of the contracts but not the other 2. The contract they let me cancel was with a company named Ally.

I signed the paperwork to cancel the one contract that they said I could cancel. 

As of XX/XX/XXXX I didn't see that anything had changed, So I emailed the dealership as well as the administrators of the contract -Ally and XXXX to cancel all 3 contracts. 

Today XX/XX/XXXX. I contacted Ally and the contract was still in force. It appears the dealership did nothing with the paperwork I signed. Ally went ahead and cancelled the service contract with me over the phone. 

I then contacted XXXX the administrator of the other 2 contracts. XXXX says that I can not cancel with them because they have never received the initial contracts from the dealer. So my dilemma is the dealer won't let me cancel the contracts that say on them that I can and the administrator company can't cancel them because the dealership is dragging there feet sending them in. Meanwhile I only have a few days left to receive a full refund on one contract and my refund continues to dwindle away on the other. The dealership has told me several times that I can not cancel the contracts because they were part of the deal. I had to buy them since they supposedly gave me a good deal. The paperwork says otherwise. That I can cancel, which is what I have been trying to do. 

To further complicate things, the dealership switched the finance company on me. So I need to be careful that when I do get the refunds, they go to the correct finance company. Not the company on the paperwork.

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 2023-03-17
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: NJ

Complaint:
I am a natural person, I am a living human being, I have Rights under 15USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times .I DEMAND THE ACCOUNTS listed below be removed because According to 15 USC 1681 : I have the right to privacy and I DIDNOT GIVE Equifax written permission to furnish these accounts. 

XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
15 USC 1681 SECTION 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my written consent! 

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 explanation
Consumer complaint received 2020-03-23
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: Resurgent Capital Services L.P.
State: CA

Complaint:
On XX/XX/2020 at XXXX XXXX  I sent written communication to LVNV Funding LLC dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXX, and XXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from LVNV Funding LLC dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, LVNV Funding LLC sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing LVNV Funding LLC communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires LVNV Funding LLC to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 )  Proof of any other information contained in the credit report regarding the account. LVNV Funding LLC provided none of the above. LVNV Funding LLC continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. LVNV Funding LLC has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. The above illegalities were committed via USPS mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Product: Checking or savings account 
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: IN

Complaint:
I tried to transfer money via ACH from my savings account at Alliant Credit Union. Even though I had already confirmed the transfer account last year, and done multiple transfers before, they flagged the transaction as a security risk. I called them and answered all of their questions, but they have still not released the hold on my account. In the middle of this Corona Virus pandemic, they are holding my money hostage. 

I need access to my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint:
These INQUIRIES below have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under XXXX5 USC 1692C

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 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THEM IMMIDIATELY

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 2020-07-23
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: TX

Complaint:
report wrong address XXXX XXXX XXXX XXXX tx 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 2022-04-30
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint:
I volunteered to send the vehicle back to capital, i was never served or notified from capital one that they were selling the vehicle. i asked on several occasions for proof notice for a year and i still have not gotten a reply. i also sent certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: EQUIFAX, INC.
State: NY

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: CA
Tags: Servicemember

Complaint:
Victim of Several Data Breaches. Victim of Identity Theft. I have submitted info to TransUnion, XXXX, and XXXX since XXXX of every major/ minor violation on my credit report. I do not have negative information on my credit report. I have never applied for any mortgage. All of my accounts are in good standing with payment history of XXXX XXXX. Remove all negative / closed accounts from reporting.Remove all Inquiries relating to any account not in good standing. Any account closed is simply because the Creditor refuses to correct the account as requested by affidavit sent certified mail.

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 2019-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
On XX/XX/2018 an inquiry was pulled on my TranUnion Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to Trans Union on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent TransUnion a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving TransUnion ample time to correct the error, I called TransUnion again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, TransUnion refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, TransUnion knows to the date of the inquiry on their records and can clearly see the information matches in Chases letter. 

I should not have to jump through hoops to get TransUnion to to do their job and TransUnion should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with TransUnion using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

TransUnion refused to reinvestigate.

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 2016-07-19
Product: Debt collection 
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid
Company: Medical Society Business Services, Inc.
State: AZ
Tags: Servicemember

Complaint:
In XXXX XXXX I went to a XXXX to get help with my feet, starting in XXXX I called XXXX a week in an attempt to pay the debt. XXXX office never returned calls or messages. In XXXX XXXX XXXX, I received my first collection letter threatening to impose additional efforts. So XXXX XXXX, I walked into the doctor 's office and asked them if I can pay my bill. Doctors office said no, we do n't do that here, they took a message and a billing supervisor called to take " full payment '' {$550.00} as reflected on my bank statement. I also asked the Doctor 's office to resolve the issue with the collector. The billing supervisor and the doctor 's office promised to resolve the issue. XXXX XXXX I got another collection letter, so My husband called the collector and asked them to call and resolve an already paid debt. XXXX XXXX I received my 3rd letter and called collector personally to tell them it was paid. Message machine no one available. 

Given the doctor 's violations and the collector 's violations it would be helpful to get some assistance to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint:
Barclay XXXX XXXX is a time share credit card that XXXX XXXX had me apply for so they could get there down payment from the presentation. After coming back from my vacation I found out XXXX XXXX   misrepresented the program. I called credit card to dispute the charge. They said they cant because I have nothing it writing and they can't help with the verbal statements. Even though everything XXXX XXXX said was a lie they wont continue with the dispute.

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 2019-07-25
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint:
In XX/XX/XXXX, I called Kohl 's Credit Card Co. because I didn't receive my bill. I told them I had been ill and was not able to call sooner. I was told they would waive the late fee. The following month I received my statement with the late fee charge, I called and explained waive of late fee in XX/XX/XXXX, but was told I was required to pay it in order to be removed. I explained I had a tight budget because of medical bills and was told i had I believe 10 days to pay it or it would be added again. I paid that fee in a few days to avoid that additional charge. In XX/XX/XXXX, I received my statement and there was a late fee again. I called and once again I was told I had to pay it, to not get another one. I explained I had paid XX/XX/XXXX 's before time allowed but it came upon deaf ears. I called XXXX explaining problem and was told to file a complaint. I did and it was forwarded to the XXXX in the area of the credit card company. I received an email 30 days later from a Kohl 's representative who didn't even address the issue, or even seemed to care about their errors and instead told me I did have to pay. I was allowed to accept or reject this response. I rejected and soon after submitting it, I received an email from XXXX saying the case was considered closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint:
I recently reviewed a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX. Equifax is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give Equifax written permission to furnish this account on my credit report. Equifax is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. Equifax has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint:
On XX/XX/2023, I filed a complaint with you and the Office of Comptroller gave my Appeal and evidence but Experian still reporting negative results after giving them evidence to show I was never late with my XXXX payment because my payment are due on the XXXX of every month I paid Lending Club XXXX dollars plus XXXX and made the mistake of sending them a check through XXXX bank in the amount of XXXX they were supposed to refund my money back to me but still have not done it yet. I have given everybody evidence to show my truth and I feel my XXXX rights are being violated by not taking my evidence seriously and causing harm to my credit report. Please investigate this matter.

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