hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA
Tags: Servicemember

Complaint:
I had a American Express platinum and the company got my information illegally with my social security.We are receiving promotional applications like 5 days a week me and my wife told the company stop sending the pre-approval letters they still keep sending the them.I called multiple times they keep being unprofessional.I believe this is a data breach .Because retrieved the information from my social security number.I spoke to a rep on the phone going back and she they can not stop sending the marketing material.I am in a community property state so if I am asking stop sending to stop material it means stop.Reps were being unprofessional kept hanging up the phone and transferring to different departments not getting things resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
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: Experian Information Solutions Inc.
State: GA
Tags: Servicemember

Complaint:
On the Experian for sure. The correct PAYMENT HISTORY is not reporting correctly for my XXXX Card # XXXX. It's showing only 2 months when it should show 5 plus years ... Please correct history ASAP!

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 2021-06-08
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint:
Wells Fargo did not issue me a provisional credit at the time of filing unauthorized transaction claims even though it was required by law. Wells Fargo also is not recovering my money that was stolen out of my checking account. I hate how Wells Fargo is taking advantage of me like this. They are not doing their job to protect their customers. This is the last time I will be filing my complaint on CFBP. If I don't get my money back, I will be talking to press and escalate this further.

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 2022-12-30
Product: Debt collection 
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Constar Financial Services, LLC
State: CA

Complaint:
I received a letter on XX/XX/2022 to pay a collection from Constar Financial, in the amount of XXXX. I didn't recognize the debt so I sent a letter of validation letter on XX/XX/2022 via certified mail. I received validation of debt letter back from Constar on XX/XX/2022 saying that I personally owe them money for a vehicle that is in a business entity, the sales contract with the dealership doesn't have my name on any of the paperwork as this being personally guaranteed by me or that I was listed as a co buyer of this vehicle. This vehicle was purchased in the name of the company using the companies credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: The CBE Group, Inc.
State: MS

Complaint:
This debt is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted the CBE GROUP and has not received a response to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc.
State: IL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX, XXXX. : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF XXXX / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: DISCOVER BANK
State: PA

Complaint:
This account is not my responsibility. I'm not even under any obligation to do anything. I've already contested this account, and you haven't shown any evidence that it belongs to me. It's not my creation. This is deceptive and could harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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:
I initially disputed these accounts with all 3 credit bureaus on XX/XX/2020. XXXX  is the only credit bureau that removed the fradulent accounts. I am very confused on why XXXX  and Equifax didn't remove the accounts when they all verify with the same creditors. It has also been over 60 days and the credit bureaus have not completed an investigation. I was always under the impression that the credit bureaus have 30 days to complete an investigation. According to 611 ( a ) if the credit bureaus do not complete a proper investigation within 30 days then the accounts should be automatic deletion. This definitely applies to my case. I am also a victim of the Equifax data preach and my information could've definetly been placed in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Tags: Servicemember

Complaint:
Please look into illegal activity by the XXXX XXXX XXXX as well as Bank of America for infringing on our Natural and God-given rights to own, purchase, and bear Arms. Our Second Amendment is non-negotiable to any entity headquartered within the continental US of A. This should be a crime of  treason against the Constitution and should be punishable by maximum fines and prison sentences for the Upper Executives. Please arrest these treasonous people and get them on trial for treason. I have wrote the President about these matters and someone should look into dissolving these banks as soon as possible, please.

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 2023-04-16
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: Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint:
All my credit cards have been secured credit cards. XXXX XXXX  refused to investigate the charges and the unwarented credit limit increase while account was still secured. All they could say was I'm trying to help you but nothing was resolved. I had to pay off the balance which was doubled and close account. 

With XXXX the same thing happened and I closed account and my money was taken. On the credit agencies they stated account paid XXXX. But I was still paying XXXX which the had wrong. 

Wells Fargo kept increasing the credit limit on every know federal holiday but XXXX increments for one year. I was being told they would investigate but never a call back I had to keep calling the customer service number to leave numerous messages. I also have many phone problems like hot phone battery, power off drop calls and had to purchase thru my phone insurance new phones. Unless they where rigged phones I had no idea who or how my phone was hacked. I went many times in person to a local Wells Fargo branch and they refused to help and forced me out of branch with business card and phone number to call. I have a collection agency trying to collect this money XXXX which they refused to respond to my calls email fax mailed correspondence. I paid XXXX to pay my true balance and they sent me a statement with errors on amount. I submitted money orders from the bank with notarized letters.

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 2023-03-31
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: FL

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: GA

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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: 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: FL

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Adjust immediately the following inaccurate information that are hurting my credit : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account # 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 602 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 explanation
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied
Company: Bread Financial Holdings, Inc.
State: MI
Tags: Older American

Complaint:
First off on the IKEA site if you wish to make application for an IKEA credit card ( which is a commenity bank credit card ) the message is the site is under construction and application needs to be made at an IKEA location. I drove to IKEA and customer service was not able to take an application. I took care of it via a phone call to commenity while I was at the IKEA store. I told them I had a freeze on my credit reports and they needed to contact me on the phone number to confirm my identity. I was told they did not do this and I needed to remove the freeze. I made application on XX/XX/XXXX. I removed the freeze with an end date of XX/XX/XXXX. ( FYI the freeze is still removed as of XXXX XXXX 2022 ) On XX/XX/XXXX I called Commenity bank to hear if the application had been approved and to let them know the freeze was going to be reinsatlled the following day. They were unable to give me a status on the application. My scores were well over 800 at the time. 100 percent of full payments made on time for all of my accounts over the past 25 plus years. I received a letter stating they did not approve the application due to inabiility to verify previous credit report. letter was dated XX/XX/XXXX. 
They NEVER ran a credit report with XXXX so how can they deny the application? 
I made 9 calls to commenity XXXX XXXX XXXX and was on hold for over half an hour each time trying to get this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint:
I have had issues with this company since the card was opened. When I submitted my payment the first time back in XX/XX/XXXX, the company held my payment and then stated that the information for my account was incorrect and came back as insufficient funds and they charged me a fee for the transaction. I submitted the payment again and the same thing happened. I called the company and gave them the same bank information that Id been using and they didnt have any issues processing the payment. I attempted to submit a payment again in XX/XX/XXXX and the same thing occurred. They said that the account information was incorrect and that it came back as insufficient funds and I was charged a late fee. Called the company again and didnt have any issues processing the payment with the same information I was using online. I pulled my credit report to see how things were reporting with this account and saw that they had closed the account. I called to inquire why my account had been closed and was told that it was because of my payments being returned. I was told that after 3 successful payment submissions that the account would be reopened. I called to submit my payment in XX/XX/XXXX and was told by a customer representative to submit it online. The same issue happened. I ended up having to call back. Same thing occurred for XX/XX/XXXXand ended up submitting two payments through a representative. I was informed that because I submitted two payments for both XX/XX/XXXX and XX/XX/XXXX, that my next payment wasnt due until XX/XX/XXXX. I submitted a payment at the beginning of XXXX online. I woke up today to see that the closed account is reading 30 days past due. I am furious about this as this has dropped my score significantly and I am currently in the process of buying a home and will not qualify now. I was specifically told by a customer representative that the next payment was due in XX/XX/XXXX so my credit report should not read 30 days past due. I am prepared to pursue legal action with this company if this situation is not rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Cedars Business Services, LLC
State: TX

Complaint:
Cedars Business Services , LLC has sent me multiple harassing text messages regarding a debt purportedly owed to the city of XXXX. I have never traveled to XXXX or purchased anything from the city. They have texted from numerous phone numbers, which I have repeatedly blocked. In many of these messages, they illegally fail to identify themselves as debt collectors. I think some of the communications may have been sent outside the hours prescribed in the fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint:
XXXX XXXX incorrectly reported to the credit bureaus that my loan payments were late from XXXX through XX/XX/2020. The loan was in forbearance, but the loan was still reported as late. I have called and written XXXX  many times disputing this reporting. They state that it wasn't reported as late, but I've sent a copy of my credit report to XXXX showing this as late. This has caused severe hardships and prevented me from buying a home. 

I have attached the formal dispute letter which was sent to 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 2023-05-29
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: MD

Complaint:
XXXX XXXXXXXX Account Number XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions. 

CFPB has already investigated and results were to be removed off XXXX XXXX my credit report however its is still showing on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
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: MN

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 US. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? I have attached some documents that you can clearly see what I'm talking about. incorrect dates and amounts.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. 
ACCOUNT NAME ACCOUNT NAME XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-01-23
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CT
Tags: Older American

Complaint:
These accounts are currently in litigation and should not be reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem
Company: AMERICAN EXPRESS COMPANY
State: AL
Tags: Servicemember

Complaint:
*They have been contacting me more than once daily. harrassment is not acceptable and I am seeking my bill to be zeroed and continue to use the card. 

*They claim to have options to assist with payment but when I try to contact them with the link provided the call hangs up.

Company response to consumer: Closed with non-monetary relief