hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2020-08-26
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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint:
Since XX/XX/2020 I supposedly accepted an insurance plan to cover the credit card in the event that I become XXXX and can not make payments and this is being charged on my balance monthly. I have been charged over {$240.00} over the past 2 years and they say that I accepted this as part of my application, but this is slipped in during the application and often sneak out in, in a way so that if you do not uncheck a certain box you are accepting when you really are unaware of signing up for this. XXXX XXXX does this with all their cards and it should be illegal bc it's a scam!!! The government should do something about this!!!! I don't even have a way to view what I signed and they said that a package was sent to my address and that's a total lie. I don't even have an option to see my statement so I never knew about the scam they were doing to me.I don't have a copy of any document saying that I signed up for this. They only say that I accepted the plan electronically but they can say anything?

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 monetary relief
Consumer complaint received 2023-01-24
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: AMERICAN EXPRESS COMPANY
State: NY

Complaint:
I had XXXX returned payments because my bank account was frozen and closed due to fraudulent activity from a different card. {$4000.00} was stolen from the bank account that I usually use to make my Amex payments. I informed Amex about the situation and they told me its okay just make payment from different bank account. Considering I have XXXX bank accounts I did and my payments were up to date. I always pay on time and pay off my cards before the end of billing cycle. I had another returned payment because I chose the wrong bank account and I asked Amex to stop trying to take the money out of the account XXXX times. I told them that bank account is the wrong account and I dont use the account and to cancel the payment since I realized my mistake before and made the payment right away with my different account. Amex then told me they need to verify funds from a different bank account which we did. I had sufficient money in there and they unblocked my card. After multiple times of telling them to stop trying to take money from the wrong bank account they did not and kept trying and trying. My Amex card balance is currently XXXX. They actually owe ME money. On top of that I just paid my {$690.00} membership fee which they informed me I might not even get back which is theft, I just paid them {$690.00} for membership and they then close my account? Seems kind of fraudulent to me. They then took {$1200.00} worth of points from me as well. I have been a member with Amex since 2017 I believe starting with XXXX Amex and then gold Amex and platinum. I have paid on time always and never missed a payment. What they are doing is fraudulent and I either would like my platinum card reinstated as well as my gold card or my membership fees back for both cards since they didnt even allow me to finish my year of membership with my gold card. Thats {$250.00} in membership fee for gold card and {$690.00} for platinum. Plus I would like my balance sent to me in form of check. I really would rather have my card reinstated and my points back but if not this is theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc.
State: FL

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-17
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: EQUIFAX, INC.
State: CA

Complaint:
PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS XXXX XXXX NA - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: Galaxy Capital Acquisitions, LLC
State: IN
Tags: Servicemember

Complaint:
In accordance with the fair credit reporting act, this creditors have violated my right.

15 U.S.C. 1681 Section 602 states that : I have the right to PRIVACY.

15 U.S.C. 1681 604 A Section 2 states that : Consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681 1666B states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled
Company: Maximus Education, LLC dba Aidvantage
State: MI
Tags: Servicemember

Complaint:
My loans were recently transferred from XXXX to aidvantage, i was paying XXXX with income driven repayment a total of {$150.00} a month which includes a payment of {$64.00} and a payment of {$95.00}. I was told I would not have to make any changes to payment as the transition should be seamless, the first month of having aidvantage they took a total of {$340.00} in 2 payments in XXXX - one of {$170.00} and one of {$170.00}. I had suddenly been receiving tons of mail from aidvantage and XXXX  about my loans in the last 14 days and logged in on XX/XX/2022 to find out they had my autopay set up to withdraw approximately {$3000.00} from my account on XX/XX/2022 without any warning in any of the mail I had received or by phone/email. I immediately called aidvantage and they canceled my autopay and assured me they would not collect that money as the autopay has now been canceled. They also had issues putting me back into income driven repayment. Because of this I had them put me in COVID relief deferment so that I wouldnt have a payment, and I then I made a payment for {$170.00} as this is the amount I have been paying to XXXX regularly and monthly for the past 2 years. I realized they were wrong or lied and withdrew {$1700.00} on XX/XX/2022, over drafting my account. I logged into their website today to ensure that my autopay is off and found that I am no longer in the Covid relief and have a payment due for {$1200.00} which appears to be the amount that is left over after they overdrafted my checking account. I also received multiple past-due notices for small amounts such as {$5.00} and a {$30.00} for XXXX, despite being set up for Auto-pay and also already paying my loans for that month, which was an amount that they had already changed and increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process
Company: Atlanticus Services Corporation
State: NJ

Complaint:
XX/XX/XXXX I call twice today. The first time was to figure out why I got a letter in the mail dated XX/XX/XXXX which was the same day I made a payment. Telling me that I had not paid my bill and needed to or it was going to be turned off. They told me I got the letter because I paid XXXX days late. 
I hung up the phone already upset, I then went to the website and post dated the XXXX payment to come out on XX/XX/XXXX the due date. I then went on my bank account and saw that the payment posted against my bank for today. 

I called my credit card company back ( aspire ) and asked to talk directly to a supervisor. I told her about the call from earlier and that I post dated a payment for the due date onXXXX and that it came out today. She then told me if I make a payment with my debit card it will automatically come out same day. I asked her then why does the site let me pick a date and why is there no disclosure about if I use a debit card it will come out the same day that I have to put it my bank account info in. All she wanted to do was reverse the payment. But when I asked what happens if u forget or get busy on the due date and forget and pay a few days late again your just going to charge me another late fee. I asked again why was there no disclaimer about using a debit card and why was it not written any where. She had no answer. Told me I have been making payment so I had to know better. I was never told that this was an automatic thing only when I called XXXX other time a few months ago that it can sometimes happen. I got most frustrated with her and told her that all calls are recorded so she call dig that call up and see. Still no real answer as to why it is not posted anywhere about no matter what date you pick it will automatically come out same day. I told her I was filing a complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00} ; XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/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 2021-08-21
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: PA

Complaint:
The citizens account listed on my credit profile is a violation of my consumers rights. The account has conflicting date of last activity and date of last payment. This account is false and inaccurate. Please remove immediately. I have provided supporting documenting showing the inaccuracies of this account. Please remove immediately! I AM NOT A CREDIT REPAIR COMPANY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09
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: Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint:
I opened a new checking account with HSBC on XX/XX/XXXX in XXXX XXXX, California and funded my account electronically. 

On XX/XX/XXXX, fraud charges started posting to my debit card, which I never received nor activated myself, and I was not notified when it was activated. 

I received an email from HSBC at XXXX XXXX on XX/XX/XXXX while I was in XXXX, XXXX, claiming a temporary block has been placed on my card. I tried to ask the reps on the live chat twice to block my card since the number provided in the email does not work due to holiday hours, but nothing happened. The fraudulent charges on the card keeps coming until I called a 24/7 number XXXX XX/XX/XXXX. A total of {$4100.00} was lost. 

I tried to submit a fraud investigation on the phone, but the process was not helpful and nothing significant was refunded. I had to talk to my personal banker on XX/XX/XXXX and got HSBC 's investigation team on the phone, but they asked me to file a police report. 

I filed the police report on XX/XX/XXXX and have been waiting for almost two months for a response but I have not received any refund from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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 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 2019-03-22
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NM

Complaint:
On XXXX XXXX XXXX 2018 my dog was attacked by a pitbull in an incident that left her XXXX XXXX XXXX. The vet said XXXX would be required and I did not have enough money in my savings so the vet assistants offered me care credit and gave me a pamphlet about it. The pamphlet stated that I would have 6 months interest free on purchases and afterwards a 26.99 apr rate. This wasnt too different from my other credit cards so I naively agreed to it before reading care credits reviews. I took the offer and put {$1000.00} on credit from the vet bill. I payed the minimum monthly payment the first 6 months and expected the monthly interest afterwards to be $ 20- {$30.00}. After 6 months my payments had brought my balance down to {$810.00}. Then the FIRST statement after the 6 months were up came back with a whopping {$130.00} interest charge on purchases. Bringing my balance to {$940.00}. Almost back up to what I initially owed before payments. First of all the pamphlet said the first 6 months were interest free. So either this company was overtly lying on their advertising or charged me incorrectly. Either way it is very disingenuous to not be clear to consumers as to what they are signing up for when they sign up for this card and outright predatory to do this to people who are in need of medical care for themselves or their pets. I would of happily applied for a reliable company like chase credit if I had known this would be the case.

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 monetary relief
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint:
Experian : you have recieved multiple complaints from the cfpb. In each complaint you are being sent documents that verify it's me, as well as an identity theft report. You have rejected every complaint on the grounds that you believe I am a third party credit repair company. I am not. I have the right to send you documentation via the cfpb reguarding any dispute. You do not have the right to deny that information. 

Can you explain to me why you have rejected the idtheft report sent via the cfpb 6 times?

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 2017-08-12
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: CITIBANK, N.A.
State: DC

Complaint:
First, Citibank changed the email address from which it sent my statements without notice ; as a result, my XXXX statement of {$340.00} was emailed directly to my spam folder and I had no notice of it. The XXXX statement had a payment due date of XXXX XXXX, 2017. Then, I did not receive notice of the overdue statement balance until XXXX XXXX, after receiving numerous phone calls -- the phone calls were basically nonstop and I had a crazy number of voicemails left on my phone. That same day, because of the phone calls, I went to my online account and saw the overdue balance, and that my XXXX statement included interest charge of {$6.00} and a {$25.00} late fee, bringing my total balance to {$370.00}. I immediately paid the balance in full ( {$370.00} ). The XXXX statement had a due date of XXXX XXXX, 2017. I then called Citibank to explain what had happened, and the customer service represented told me that once my payment had been processed, to call back in two days and they would refund me the interest and late fee. I called back two days later once the payment had been processed, only to be told that Citibank would NOT refund me the interest and late fee, even though it was their fault I had not received the XXXX statement. I was so frustrated that I decided to cancel my card -- I have great credit and have never had this type of issue with a credit card company before, and so decided I just would n't deal with Citibank. I then received my XXXX statement. Even though my XXXX statement was paid IN FULL on XXXX XXXX ( much prior to the XXXX XXXX due date ) and had a XXXX balance, Citibank charged me interest AGAIN. I then called again to explain the issue and their mistake, only to be told they would n't be refunding me. They 're literally thieves at this point. Lastly, I ca n't even download my statements from their website -- so I have had to take screen shots to send to CFPB.

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 monetary relief
Consumer complaint received 2017-12-14
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: WELLS FARGO & COMPANY
State: IN

Complaint:
WELLS FARGO DEALER SERVICES PROMISED TO REMOVE ALL HARD INQUIRIES FROM ALL CREDIT REPORTS, ESPECIALLY XXXX DATED XX/XX/2016

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 2018-11-07
Product: Debt collection 
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint:
Thunderbird collections ( TCS ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX AZ. XXXX, a medical debt in the amount of {$1800.00} has called my place of employment leaving various voicemails with personal information in spite of being requested not to do so. These calls put my employment at risk and they continue to do so, leaving messages with patient access and records at my employer. This is in addition to multiple calls daily to myself with threatening messages.

Company response to consumer: Closed with explanation