hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2020-09-01
Product: Debt collection 
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying
Company: Global Trust Management LLC
State: MI
Tags: Servicemember

Complaint:
Global Trust Management is calling me repeatedly to collect a debt I do not owe. They will not tell me who the debt is from or how much it is. They are asking for personal information ( if I am s senior citizen etc. ) I have told them to stop calling me and that I do not acknowledge any debt they me be calling about. They continue to call using the same tactics, asking for personal information and refusing to answer questions about the debt they are trying to collect. The call always ends the same way. They say that because I am refusing to cooperate they are terminating the call. 

I check my credit reports regularly and I am not behind on any debt that I have. And do I have any outstanding judgments against me. All of my credit accounts are paid current and I have a higher than average credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint:
I paid off the account earlier in the year and put the card in my drawer because i dont use it. All of a sudden in XXXX I get a notice on my credit report that there is a 30 day late reported. I called XXXX and told them it was fraudulent charges for a subscription I didnt subscribe to but not only that my account was set up on auto pay as I have NEVER been late. They said they would look into it and remove the negative reporting. In the meantime I paid the past due balance and they actually owe me money. They never removed the negative reporting so I called again and they said it would be taken care of-which they did nothing again. I am a long time card holder and have never been late on any of my credit cards and they actually owe me money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
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: TX

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-03
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: EQUIFAX, INC.
State: GA

Complaint:
On a numerous of occasions, I have disputed a 30-Day late payment for the month of XXXX removed, due to a system error on XXXX XXXX XXXX XXXX XXXX end. Also, I have uploaded supporting documentation to have the XXXX XXXX XXXX XXXX account ending in XXXX updated to have the 30-Day Late Payment removed from the credit file, but XXXX did not remove it, but instead they keep verifying that the information is accurate and it was verified, but they did not verify anything. Please let this be the final dispute documentation to have this account updated immediately to have the 30-Day Late Payment For XXXX to be off of my credit file before I take this to court and sue for damages for violating the FCRA, and violating the 15 USC Section 1681a ( d ) ( 2 ) ( A ) ( i ). Please correct this matter immediately. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Square One Financial, LLC
State: CO

Complaint:
On XX/XX/XXXX I contacted XXXX  XXXX   looking to settle an account that was last reported to my credit bureau XX/XX/XXXX for an auto loan I had got for my girlfriend a few years back. I explained I have been very cooperative, surrendered the car, and also provided all my personal information offering a settlement on the account for {$1000.00}. I was then told the account was with XXXX XXXX XXXX. I spoke with XXXX initially who told me the account was PAID IN FULL. Then after being transferred to XXXX the manager he told me the balance was {$6500.00} which is over {$3000.00} more than what was owed. I explained I was trying to get a home, and this account was affecting my credit. He then said they would settle for {$3000.00}. I told him the most I could do is {$1500.00}. The Next day On XX/XX/XXXX I received a notice from XXXX XXXX that XXXX pulled my XXXX credit bureau after 3 years and reported a new balance of {$4400.00} which dropped my credit score over 55 points which now makes me ineligible for a home loan. I find this to be a very savage business practice especially since I explained to the company that I was trying to get a home loan and wanted to resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
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: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint:
I am disputing the US Bankruptcy Court of XXXX XXXX Court of California with their office and as well as the credit bureaus Equifax, XXXX and XXXX. The 3 major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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: Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: CITIBANK, N.A.
State: TX
Tags: Older American

Complaint:
In XXXX of XXXX I purchased earrings for my daughter 's XXXX birthday from a Macy 's department store in XXXX, Oklahoma. When I did not receive a bill from Macy 's I sent them a check on XX/XX/XXXX for the entire purchase price of {$170.00} which they received and deposited three days later on XX/XX/XXXX. I have copies front and back of the check proving Macy 's received the check and deposited it. They never credited my account. I spent literally hours on the telephone with Macy 's explaining and providing copies of the cashed check. They would not listen but turned the account over for collection to XXXX XXXX XXXX XXXX based in XXXX, Florida. I again spent hours on the phone with different representatives of XXXX XXXX and sent them copies of the cancelled check front and back with no success. Throughout the process Macy 's continued to add interest and late fees. Eventually negative information was shared with all three credit bureaus and my credit was and continues to be severely damaged. I filed a dispute of the negative information from Macy 's with XXXX on XX/XX/XXXX but never received a response from XXXX. I spent nearly an hour on the phone with XXXX today with no benefit other than being cut off after speaking with two representatives. I am am retired XXXX XXXX XXXX XXXX XXXX XXXX. It was never a question of my ability to pay. I paid on time and in full though I had not yet received a bill from Macy 's. Though I live out of the country my credit is important to me. I need to get this travesty straightened out and will do whatever I need to do towards that goal. My email is XXXX. My telephone is XXXX XXXX XXXX. Thank you in advance for your time and attention.

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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
in accordance with the fair credit reporting act the list of the accounts below has violated my federally protected consumer rights the privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint:
I was charged interest of {$8.00} because I entered the wrong amount when paying by bill. On a {$1400.00} balance I was short {$2.00}, but I was charged interest on the whole balance of XXXX. Thats a .14 % short, yet I was charged interest on 99.86 % the money that they were already paid. If its such a big deal that they have to charge me interest on that, then they should have contacted me saying the need the {$2.00} more. I contacted them and they said they would credit me, but there is no credit to my account. Two different people said I would be credited back, but its still not showing back on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25
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: CITIBANK, N.A.
State: NY

Complaint:
On XX/XX/2018, my application was denied in violation of 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 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Maximus Education, LLC dba Aidvantage
State: TX
Tags: Servicemember

Complaint:
In XX/XX/2022 last year my student loans were paid off in full as I had them through XXXX XXXX XXXX At that time, I emailed all the credit bureaus and ask them to remove it from my file.. my XXXX were removed and then two weeks ago the first week of XXXX I received an alert that something changed in multiple credit reports. Aidadvantage put on all three credit report that I owe them XXXX However, this is the amount that was written off and I am confused as to why they put this back on my credit report and when I have called them multiple times I have a XXXX balance I do not owe them anything and XXXX customer service representatives have told me that my balance is XXXX. I have faxed them a letter asking them to remove this from all my credit reports and I have called multiple times. I cant log into my account because I have a XXXX balance so Im having to deal with talking to someone and most of them dont even help me at all Because they have put this back on my credit report. It is now hindering me from getting a loan because I stated that all my student loans were paid off and now they put them back on and I dont owe them anything. Customer service is useless. No one returns any call or they say they will email me and they do not and I do not have access to the portal because I have a XXXX balance. I am going round and round constantly with these people asking them to remove it from my credit report because my debt was paid in full as I did public service loan forgiveness and I met my 120 payments with that loan and somehow this company decided to slap it on my credit report that I owe them money and then when I call them, they say you have a XXXX balance with us. I have asked him multiple times to remove it because I do not owe them anything they say I dont owe them anything but Im not getting anywhere and Im asking for some help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: EQUIFAX, INC.
State: MN

Complaint:
Equifax, XXXX, XXXX are reporting that I was late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which is incorrect. On XX/XX/XXXX, a payment was made in the amount of {$1600.00}, confirmation # XXXX, which satisfied XXXX and XXXX statements. The due date is the XXXX of every month, which the XXXX payment 6 days early and XXXX payment was only 25 days late, not 30 days as it is being reported. 

On XXXX, a {$870.00} payment was made and XX/XX/XXXX there was a {$880.00} payment posted. The due dates on both payments were on the XXXX of the month, which also confirms these payments were made on time. 


This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus Equifax, XXXX, and XXXX. The following documentation is provided from the original creditor of the payment and therefore Equifax, XXXX, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information. 

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX XXXX XXXXXXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Product: Checking or savings account 
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint:
Chime via XXXX XXXX closed my account on XX/XX/2022 as I was paying for a money order to pay my rent. They closed my credit builder account, savings account, and checking account totaling over {$4700.00}. I received a message stating the account was closed because of a violation of a XXXX XXXX which has yet to be explained. The e-mails state I shouldve received my closure check within 30 days but it has been 77 days and I am still receiving the same automated messages I received on XX/XX/2022. I have provided the correct documents to have my closure check sent to a new address, but there are new representatives sending the same automated emails for the past 48 days. 48 days is closer to 60 days than 30 days. I am getting the runaround as I have provided documents to the links provided by the XXXX XXXX ( most emails have blank links ). The customer service representatives mention they can not help and only the Back Office can assist, but there is no one to talk to. The closure check has not been offered to be sent via XXXX or at all. No associates are helpful via email, over the phone, or through twitter. They are GATEKEEPING {$4700.00} and gaslighting me via email by sending the same automated messages since XX/XX/2022. I have called XXXX times each day for the past 77 days and each representative states to email Chime Support and when I do I receive the same automated emails asking to provide the information I previously sent or telling me my account is closed for violating a Deposit Agreement which is counterproductive seeing that I am seeking my closure check to be sent via UPS ASAP!!! The company has failed to offer humanistic values and is GATEKEEPING {$4700.00} causing evictions and unpaid bills to pile up for the past 77 days. The agents are XXXX  and talk in circles. XXXX agent stated that I would not get a check because the account balance was {$0.00} ( which means a check has been made ) but that spreads misinformation. With the foreign status of callers they lie often.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint:
I have an XXXX account and PNC won't allow me to link my checking account and XXXX Account to round up my purchases to use as investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card 
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC.
State: CA

Complaint:
On XX/XX/XXXX, my mother was issued an XXXX XXXX via Money Network XXXX XXXX ) for the third economic stimulus payment of {$1400.00}. She had no previous financial relationship with XXXX  XXXX  or XXXX. 

She had XXXX XXXX on XX/XX/XXXX, she could not activate the card, and as I was not the cardholder I was not authorized to activate the card, so no one did. 

As my mother 's heir-at-law, I filed a XXXX tax return for her, but IRS would not issue me the refund, saying the funds had been previously distributed to XXXX. 

On XX/XX/XXXX, XXXX acknowledged receiving my request to have the funds returned to the US Treasury, and requested various documents like the death certificate and ID. I sent these on XX/XX/XXXX, following up with a phone call on XX/XX/XXXX, where the representative said that he was putting in another request to have the IRS sweep the funds, but that he could not tell me when it would happen. 

On XX/XX/XXXX I received a reply letter from IRS saying the funds were still at XXXX. I contacted XXXX again and neither the representative nor the supervisor I spoke with would give me a timeframe for when the funds would be returned to the US Treasury. 

XXXX was also unwilling to send me any written confirmation of the receipt of my request to have the {$1400.00} returned to IRS or that my request was in process.

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 2019-09-21
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA
Tags: Servicemember

Complaint:
XXXX a check an unauthorized user got into my account and deposited a check while I was in the hospital.I immediately informed the bank and the customer service rep stated someone tried to call and access my account by phone and was directed to gong to the branch because they did not have the proper identification to identify me.The credit union never took the time out to protect the customer i put in my complaint ask them go run the tape when the deposit was made heard to conflicting stories one was the check was deposited and funds were not available. Now im.hearing check was deposited funds were drawn out T the same time of deposit I sent in document showing I was in the hospital then I was sent a decision letter stating I owe XXXX dollars but then said on phone XXXX they never looked at the claim just focus on how they were going to get the money back when they allowed an unauthorized user to go into my about and want me to pay for it and then I discovered they closed my savings with no notice no phone call I would like justice with my account people koin this credit union for the o and honor of love ones who fought for our country none of this is taken in consideration they restrict your account on things that they allowed to happen when they ate suppose yo be protecting the customer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation