hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2019-03-05
Product: Mortgage 
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: Shellpoint Partners, LLC
State: MD
Tags: Older American

Complaint:
My home mortgage was sold by XXXX XXXX to XXXX XXXX. Since that time the company has changed its name twice. ( XXXX XXXX and now NewRez ) In XX/XX/2018 I paid my mortgage through XXXX XXXX 's online Banking program on XX/XX/2018. XXXX XXXX said they didn't get it. XXXX XXXX cancelled the payment and made a new one. They also sent a letter to XXXX XXXX saying it was not my fault. XXXX XXXX then sent a second notification when XXXX XXXX tried to assess me late charges. XXXX XXXX took off some of the charges but left on some charges and reported a late payment to the Credit Bureaus. As of XX/XX/XXXX, my credit report shows a late payment. 

In addition in XXXX,, on XX/XX/XXXX, XXXX XXXX said they had not received my payment for XXXX, although XXXX XXXX said it had gone out on XXXX XXXX not taking any further chances, I borrowed money and made another mortgage payment by phone. On XXXX, they acknowledged receiving the first payment as well as the second phone payment. 
I think there is something wrong with their whole payment system and they are using it to get late fees. I am FAIRLY SOPHISTICATED about finances but this is intolerable. I had no choice when XXXX XXXX sold my mortgage but I think they bear some responsibility for selling my mortgage to a XXXX   outfit, as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: Focus Holding Company
State: TX

Complaint:
I XXXX XXXX just recently checked my XXXX credit report and discovered a new collection that I have no knowledge of whatsoever.From a company named XXXX with a parent company of Focus Receivables Management. No account number is listed. Neither of which I have ever had an account with or done business with. So then why are they trying to collect an alleged debt from me? Also I was NEVER sent any communication at all from this company about this debt, my right to dispute it within 30 days.Nor any sort of validation on the account. And if so I am requesting to be shown these documents with dates and to what address they were sent because I believe that they weren't. Clear violations of FDCRA.I am submitting:  1.  a screenshot of the entry on my XXXX  credit report.                            2. copy of cease and desist letter sent to them back on XX/XX/2019. They were going by the name XXXX XXXX  XXXX then. Same account number and same alleged original XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: IL

Complaint:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
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: EQUIFAX, INC.
State: CA

Complaint:
In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX  account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy.

2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions.

3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. 
These items must be DELETED immediately and a rapid re-score is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Product: Debt collection 
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: Credit Solutions, LLC (KY)
State: OH

Complaint:
This debt was originated at XXXX Hospital in XXXX Ohio. My father whom shares the same name, visited and provided his insurance information. XXXX Hospital was unable to collect from my fathers health insurance and proceeded to collect thru credit solutions, LLC. This company reported the collection on my credit report and refuses to fix the problem. This company should be responsible for for all the damages generated by stealing my identity.

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 2019-06-01
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: SC

Complaint:
I am a victim of identity theft. I'm not sure if it was a close friend or family member, or one of the previous addresses that was listed on my credit report that I still received mail at. My personal information was breached on several occasions. XXXX in XX/XX/XXXX, SC tax payers breach in XX/XX/XXXX as well as the sherwood information leak. There are several accounts that were opened in my name that I had no idea of nor did I benefit from, as well as several other attempts to open accounts that resulted in hard inquiries. I sent in a letter to Transunion explaining this and they said they'd open a dispute and get back to me within 30 days. 30 days went by, I called each 3 days in a row after the allotted time, each time I spoke with a representative from XXXX, XXXX, and somewhere else I can't recall but all were located outside of the USA and said they were unable to locate what I sent it. How could they in the address I sent the disputes to was to Pennsylvania. I now am filling complaint, resubmitting my disputes and attaching my documents hoping to get a resolutions. PLEASE SEE ATTACHED.

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 2021-02-19
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: U.S. BANCORP
State: CA

Complaint:
There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit. 

XXXX XXXX XXXX - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX US BANK - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$560.00} Opened XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-07
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint:
There are several problems with this bank and they are impossible to communicate with. 1. I am being charged for all incoming/outgoing wires. I was never informed of this before the transfer of my account from XXXX  to Citizens. Prior to Citizens there was no fee for wires 2. Supposedly I can not deposit more than 50,000 a month on my mobile device. This is a problem as I can not walk to the bank every time I want to deposit more after that. 3. When I deposit checks at a branch, since the mobile app does not work, I need to be Able to see the deposits online. 

I spoke with someone on Saturday about these issues and they were unable to help. They told me someone would call today at XXXX and nobody did. 

These problems need to be resolved for me to stay at Citizens bank or else there is no point as the offerings are uncompetitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
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: Experian Information Solutions Inc.
State: MS
Tags: Servicemember

Complaint:
FICO Score and Reports are not updated with the correct information. After contacting the company serval months to rectify the inaccuracies, yet a solution has yet to be determined. I ask that this item be removed until the proper amount owed is negotiated and agreed in terms of the correct amount.

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 2023-09-06
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2021-07-30
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: TX

Complaint:
I have previously disputed with XXXX XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
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: Bread Financial Holdings, Inc.
State: GA

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: Shermeta Law Group, PLLC
State: MI

Complaint:
Shermeta law group is fraudulent cashing check 's made payable to XXXX XXXX and not reporting the payments to my credit bureau since XXXX XXXX. My Payment 's are current and now they filed default judgement againt 's, I am a XXXX Employee that is XXXX and have XXXX. XXXX XXXX XXXX and their Client XXXX XXXX are in Violation of XXXX XXXX XXXX 's code of conduct and zero tolerance anti harassment that covers all XXXX XXXX division and entity 's including their Client XXXX XXXX. A complaint has been filed with XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX HR againt 's XXXX XXXX and XXXX XXXX XXXX, a Complaint has also been filed with XXXX and XXXX. They have also caused me to be evictied by not working with me when I was on layoff XXXX, and Ca n't afford my medications, These companies will not stop harassing me and making me sick with XXXX XXXX and XXXX. Maybe XXXX and their Client XXXX XXXX should review XXXX XXXX 's code of conduct and the zero tolerance harassment, legal action can be sought after XXXX and XXXX XXXX for violation of policy. Make them report those payments to my credit bureau and stop harassing me. Please. Everytime a complaint is filed I get no answer to the question, WHY ARE MY PAYMENT 'S NOT BEING REPORT TO MY CREDIT BUREAU????. I WILL KEEP FILING COMPLAINT 'S DAILY TILL I GET THAT ANSWER? Why will they not answer that question? Do I have to go daily to there office or to shermeta 's attorney house to get a answer??? This also need 's to be sent to XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Product: Debt collection 
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt
Company: Kriya Capital, LLC
State: MS
Tags: Older American, Servicemember

Complaint:
Have received collection notice but never received a bill from the supposed creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
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: GREATER SUBURBAN ACCEPTANCE CORPORATION
State: IL

Complaint:
I filed a dispute over 30 days ago and I have not heard anything concerning my investigation results.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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: AL

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, U S Dept of Education Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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 2021-11-12
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:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, 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. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: Security National Automotive Acceptance
State: GA

Complaint:
This inquiries was unauthorized. I have contacted all three credit bureaus as well as each one of the listed companies on several occasions. The credit bureaus have advised me there is nothing they can do about falsely obtained credit inquiries without letters from the companies that pulled my credit. I have reached back out to the reporting companies and advised that the pulls were obtained without my consent, and the companies have all refused to remove anything about them, I consistently am advised to wait 2 years for them to fall off, however these pulls were never authorized nor are they valid.. I am at my witts end and believe that I should not be held accountable for something on my credit report that is not only INACCURATE but illegally obtained. These inquiries all happened between XX/XX/XXXX-XX/XX/XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023. Its been well over 30 days. I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ( ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.

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