hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2021-08-04
Product: Debt collection 
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: ClearOne Advantage, LLC
State: NC
Tags: Older American, Servicemember

Complaint:
On or about XXXX I entered into a program with ( COA ) CLEAR ONE ADVANTAGE to pay off a creditor ( XXXX ) XXXX XXXX XXXX XXXX. Clear one made a settle agreement with XXXX in the amount of {$5700.00} with fees included of {$3400.00} for a total of {$9100.00}. I have been paying {$250.00} per month from XXXX to today which comes to {$4400.00} paid to date. Once I learned that Clear One was only paying the creditor {$10.00} per month I started asking questions, " How much has XXXX been paid and how much was COA was paid in fees ''. I logged into my account but was unable to find much information. I did find a vague Activity Statement but it did not explain what was going on. I sent emails and made many phone calls also. On XXXX I canceled the program with COA and made a direct payment arrangement with XXXX. According to COA I owe them another {$500.00} in addition to the {$4200.00} already paid. When the fee going to COA was only {$3400.00}. My balance with XXXX still remains, COA took all of the fees up front. I do not agree with how COA does Business I have been cheated. All or most of that money could have been paid to XXXX. I am a XXXX XXXX Veteran on a fixed income, I can't afford to be ripped off.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01
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: EQUIFAX, INC.
State: FL

Complaint:
On XX/XX/2020 and XX/XX/2020 I sent a the same letter twice to each bureau about inaccurate and unknown inquiries and other information on my credit report. It's been over 60 days and I have not heard back from anyone yet. I am suppose to receive some sort of response in 30 days after an investigation. I thought maybe the letter was lost in the mail so I sent it in again certified mail to make sure each company received my letter. I did my research and this is a violation of of FCRA, as a consumer I should not have to deal with this. I just found out my information has been impacted by the Equifax data breach and I am doing my best to remain calm in this situation and not stress about the unknown things on my credit report. Please act fast before this become a legal matter. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Product: Debt collection 
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: First Recovery Solutions, Inc.
State: IN

Complaint:
I have spoken with them on the phone every day for the past week and they continue to call me multiple times per day repeatedly. When I have asked for additional information or asked to speak with a supervisor, I 'm told they wo n't answer questions or transfer my call because I owe them money. I have been rudely hung up on multiple times now.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc.
State: NJ

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2020-06-04
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: AR

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

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 2022-09-06
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: CITIBANK, N.A.
State: MN

Complaint:
The following credit inquiries currently listed on my XXXX credit report are fraudulent and unauthorized : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX and CBNA, Date of Inquiry : XX/XX/XXXX. I did not apply for credit or authorize XXXXXXXX XXXX or CBNA to pull my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
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: FL

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 XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 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 2023-10-12
Product: Credit card 
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: SC

Complaint:
Hi my name is XXXX XXXX and I recently had my credit card balance decreased without my consent. The decrease has severely impacted my credit. Because the credit card company decided to decrease my credit limit to the actual usage I had on my cards and maxed out my credit limit. This is unfair to the consumer and has ruined my credit score. I have always been responsible with my credit accounts and was never late. I only recently was late once on one of my accounts and that was due to me being hospitalized. It was completely out of my control. I am requesting a goodwill review of my accounts with Citi. One of my accounts I have been a customer since XXXX and have never had any issues. The most recent Ive been a customer since XXXX. Please reconsider restoring my credit limits back to where they were this is impacting me financially in a major way. Citi decrease my credit limits on all 3 of my credit cards without pre-warning me and when I called the bank to resolve the issue. They only restored my original credit limit to one of my cards and left the reduced limit on the other two. This is really impacting my credit score causing undue hardship. The accounts that were impacted are ending with XXXX and XXXX. Citi I am asking for a goodwill consideration to restore my credit card limits back to where they were on these two accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint:
Around XX/XX/XXXX I received a letter in the mail from JP Morgan Chase letting me know all of my checking and saving accounts will be closed and the company chose to end relationship with me, they didnt mention anything about my personal or business credit cards will be closed as well, I tried to reach out to JP Morgan many times and no one gave me a clear answer regarding my accounts being closed. 
I have been with Chase since XXXX and them closing my 5 total credit cards with them really hurt my credit and placed me in a bad position when I was trying to pay for my lunch at Panera, the young lady at the register asked me if this was my wallet or I found it somewhere because I tried to pay with many credit cards and all got declined. 
I have been getting my paycheck really late because my employer uses Chase for direct deposit and because I dont have chase anymore I have to wait 4 business days to get my paycheck. 
Lastly I had almost XXXX points with all of my chase credit cards that I had to take cash for which is only {$8000.00} if I would have used them on travel I couldve got over {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Product: Debt collection 
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: Collections Acquisition Company, Inc.
State: SC
Tags: Servicemember

Complaint:
Payliance deleted this account over 2 years ago when I proved I had no such returned check for this amount ever. I want this deleted ASAP as they are reporting false information They are reporting a returned check for {$170.00} on XX/XX/XXXX I never wrote

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY
Tags: Older American

Complaint:
In XX/XX/2022 I mail a rent check from my XXXX checking account, the check was stolen, altered and subsequently cashed at XXXX  XXXX XXXX. I received notice that my landlord did not receive my check and when I checked my account it was very clear the check had been altered. I immediately contacted my bank and the post office and created a claim with both. Chase was very difficult to deal with as after numerous attempts by myself, my branch including the branch XXXX and assistant XXXX they informed me they finally had received all the documentation they needed, this process took over 6 months. 
After that Chase now submitted their request for the funds to be returned and then had to submit them 3 times before Chase would confirm to me that XXXX  XXXX XXXX had the documents but also said they could come back for more information. This process is so complicated for something as a consumer I have had to take on by myself, Chase basically said all they could do was ask Bank XXXX XXXX for the funds to be returned but no guarantee that could happen, so if they say no I loose my money. Chase and XXXX  XXXX XXXX are FDIC insured bank and with that and the obvious altered check I should not have to go they this crazy process because the reality is the check should never have been cashed to begin with and then once Chase received the check they should have kicked it back to XXXX  XXXX XXXX immediately and returned the funds to my account. 
I have several accounts with Chase and I feel Chase basically told newtoo bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: Pinnacle Credit Services, LLC
State: CA
Tags: Servicemember

Complaint:
I was checking my pay stub and noticed that it was much different than usual meaning it was short {$460.00}, the same day I received a letter in the mail from my HR department ( Not from a collection agency or any other source outside my employer ) stating that they hard a court order to garnish my check for 25 % of my earnings for 30 pay periods. There was no warning or notification that this was going to happen prior to this. I did not receive any attempts to collect a dept or any kind. When further investigating this debt I noticed it was from a debt that was over 10 years ago and the original debt was for {$6700.00}. At that time I was never notified that I had this debt and there were no attempts to collect this debt over the next 10 years. I have made several times over the 10 years but I constantly updated my address with the us postal service along with updated drives licence and obtained credit at each address so there was not chance that they could not locate me and send me notification or attempt to collect this debt I also had the same telephone number for the past 12 years. Also I filed federal and state income taxes for those years and that had my address on them so there was no reason they can say I was not reachable.. 
The interest and fees on the original amount is obscene as they made no attempt to collect the original debt. I am not saying I do not need to pay the original amount but I should not have to pay the interest and fees. I am willing to pay the original amount a rate that is reasonable to continue to live in my current location which is XXXX XXXX CA. which is one of highest cost living areas in the united states if not the highest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Product: Student loan 
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint:
I have been attempting to pay my monthly student loan payment for a week. The account has become locked and attempts to reset the the password or username have been blocked as well. I tried to e-mail the company, but I have to be logged into my account to access the e-mail form. I was provided with a XXXX number to unlock the account but there was no option on the main menu to unlock the account or to speak with a customer service representative. The entire menu was automated with no clear information on how to speak to anyone about unlocking the account so payment could be made. The only option was to pay by check over the phone, but with this option I am still left with a locked account so I am unable to check my balances or engage in correspondence with the company through e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, XXXX, and TransUnion in regards to accounts and inquiries that are present on the credit report because of identity theft. 

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, XXXX, and TransUnion in regards to accounts and inquiries that are present on the credit report because of identity theft. 

Accounts present because of identity theft. 

1. XXXX/XXXX  : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX  : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit :  {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft. 

1. XXXX/XXXX  : Date opened : 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 2023-06-16
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: EQUIFAX, INC.
State: TX

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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: TX

Complaint:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
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 explanation
Consumer complaint received 2020-06-11
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: AFNI INC.
State: CA

Complaint:
A company named Afni, Inc has been bugging me by calling multiple times to over the phone an dnow by sending me collection notice for an account I never owed. Each time they failed 'The Verification of Debt ', my name, my address and the account number. It has been asking me to give my social security number too which I denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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: Experian Information Solutions Inc.
State: CA

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 a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature 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. 

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