hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2023-06-26
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: FL

Complaint:
EQUIFAX, as well as other credit reporting agencies, is obligated by the FCRA to report accurate accounting. As the consumer, Ive stated this account has been reporting inaccurately and fraudulently. XXXX labels this alleged debt as a Charge-off, which is income according to the IRS. Its specifically against the law for any credit reporting agency to report income on a consumer file/report. 
Also, the Equifax company is liable under the SEC to follow certain rules. EQUIFAX XXXX file number XXXX .P. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since this is an alleged charge-off, I will be filing form XXXX treasury forms to audit this account, as the consumers account. 
EQIFAX, as well as XXXX and XXXX are securitizing consumers data yet refuse to provide me, the consumer a copy of the CONSUMER FILE and NOT CONSUMER REPORT. 

Check the photos as well as letter attatched

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Product: Debt collection 
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official
Company: Capital Management Services, LP
State: IL

Complaint:
Id like to report that Capital Management Services LP is being misrepresented by scammers. Over the last week, Ive received a call daily from a set of phone numbers from the XXXX area : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX While I have not picked up, the voicemail states that it is someone representing Capital Management Services LP and that I should call them back at XXXX. The voice of the person calling is the same each time, but the name changes. The last call I received was from a XXXX XXXX and the call before that, it sounded like the name was intentionally garbled by a machine. There is no further information provided in these voicemails - nothing related to debts or even what they are calling about. Looking up the phone numbers and reviewing the real XXXX  site, I believe these are scammers and would like to bring that to XXXX  attention. 

Every voicemail is scripted as follows : " Hi. This is *GARBLED NAME* calling from Capital Management Services LP . Please call me or one of our representatives at 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 2018-05-17
Product: Checking or savings account 
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: POPULAR BANK
State: NY

Complaint:
On XX/XX/XXXX, I opened an account with XXXX XXXX which is part of Popular Bank, member FDIC. Between early XX/XX/XXXX and mid XX/XX/XXXX, I kept adding funds from other bank accounts. As of today, the account contains close to {$500000.00}. On XX/XX/XXXX, I went online and tried to withdraw {$2000.00} from the account. The system gave me an error message, asking me to call the bank 's customer service. I called customer service and was told that the account was blocked pending " original funds verification ''. Popular Bank never told me that they had blocked my account and that they needed additional information from me. According to the phone representative, they just wait until customers try to withdraw funds before they tell their customers that there's an issue. 
I was asked to email a statement from the bank which originally funded the account at XXXX XXXX to Popular 's fraud department. I did this yesterday afternoon ( XX/XX/XXXX ). This afternoon ( XX/XX/XXXX ) I tried again, unsuccessfully, to withdraw {$2000.00} from the account. I called customer service again and was told that the account is still blocked. The service representative couldn't give me a status update. When I asked to speak with a supervisor I was told that that supervisors are not available and that " someone '' will call me back in 1-2 business days.

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 2018-11-16
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Grant Mercantile Agency
State: TN

Complaint:
On XX/XX/XXXX Grant Mercantile Agency reported a debt of {$1500.00} for XXXX XXXX on my credit report that does NOT belong to me I have repeatedly asked for the identification used in opening this account as proof and they have not been able to provide it. On XX/XX/XXXX, I filed a complaint with CFPB about this issue at which time Grant Mercantile Agency LIED in their response saying it would be " closed with explaination ''. Instead of doing that they have increased the collection amount, keep sending me identity theft papers to fill out, and it has remained opened on my credit reports as collections even tho they refuse to provide me with MY identification to prove that it is my account. I will not perjur myself by filling out identity theft reports when I have no idea if thats what it is or not. What I do know is that Grant Mercantile Agency LIED to both myself and to CFPB by saying they would close the account with explaination when they have no intention to do so. They should be penalized for LYING about resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
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: FL

Complaint:
Hi, I am very depressed from the fact that I have fake accounts in my profile. 

Could you please investigate this situation and after you check please remove these items because they are not mine and obviously its error in reporting! Remove them ASAP Items are : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-29
Product: Credit reporting 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: NY

Complaint:
I DONT RECOGNIZE OR RECALL ANY OF THESE ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
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: IL

Complaint:
Bankruptcy- account # XXXX, XXXX # XXXX Bankruptcy- account # XXXX, case # XXXX i pulled my credit report and seeing my bankruptcys on my credit reports and not understanding why when the court house doesnt share information to credit bureaus 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.

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 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Unique Management Services, Inc
State: KS

Complaint:
Received collection letter from XXXX XXXX XXXX regarding debt that is not mine ie library books & materials already returned

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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: EQUIFAX, INC.
State: FL

Complaint:
I have wrote them time after time to tell them to remove fraudulent information reporting on my credit and update my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint:
A delinquent trade-line from the company BARCLAYS BANK DELAWARE for {$3100.00} still appears on my XXXX credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why XXXX would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!!

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 2020-05-25
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: SC
Tags: Servicemember

Complaint:
XXXX XXXX  XXXX XXXX reported a unsubmitted balance to my insurance as a founded balance to a collection agency called XXXX  XXXX XXXX XXXX whom failed to rendered supporting documentation that they are in compliance with services that would have been covered under insurance but, due to the negligence of the doctors office, as I was covered my XXXX  within the state of Maine as I was XXXX  and unemployed at the time. The provider and the insurance confirmed there was no bill and since they failed to submit the claim nor did they notify me in a timely manner ( until it was presented to collections ) the insurance will/did deny coverage because the claim is untimely. Moreover, substantial risks and delays associated with continuing to pursue their lien rights instead of being paid by the clients health insurance need to be brought to the providers attention as well, due to this gross balance causing a huge impact on my creditworthiness If not removed litigation will be set forth, and court will rule and i will sue to the negative impact caused over the years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Product: Checking or savings account 
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors
Company: DISCOVER BANK
State: CA

Complaint:
Received this notification from Discover Bank that I have an option to limit my privacy from Discover by calling their customer service at XXXX XXXX. 

I called Discover and asked them to limit my sharing with other affiliates. 

The respondent asked me an entourage of questions - My social security number, my verbal password, mother 's maiden name and then my name. 

She said that I have been opted out of Discover bank sharing my information with its affiliates but refused to provide me any kind of confirmation. 

Please see the notice attached. 

Now tomorrow if Discover do share my information I have no proof that I called them to discontinue sharing my information and this is bizarre and a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Product: Debt collection 
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint:
While checking my credit report, I saw a debt from Ad Astra Recovery Services collection agency. I then submitted the documents showing identity theft and the company took one of the debts off but left the other debt. I have called numerous times and has been told that the debt was removed, but when I check my credit report for XXXX and XXXX the debt is still there. I would like to have the information removed because it is not my debt.

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: Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
I have filed Several complaints against this company XXXX XXXX XXXX they were located in Texas with no phone number and now south Carolina i have tried to call them with no success I have never owned a account with them, they keep putting on my reports as a opened account with a newly closed date of XX/XX/2020 this has negatively affected my credit making it go down yet again every time 75 to 90 points they did this around XXXX as well this is ridiculous that a company or collection agency can fradulently do this this is illegal please remove this from my account as this is incorrect information i have never had a world finance account. if it was a old collection account they bought they are still illegally reporting that it had been open in good standing and closed both times in XXXX and now XXXX with is a illegal refreshing of my account which now is two incidents this is unacceptable

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 2022-10-20
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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint:
On the following dates XXXX and XX/XX/22, Capital one unlawfully obtained my credit report without my permission which is violation of the fair credit reporting act 15 USC 1681b. According to the FCRA as a result, Capital One is liable to me actual damage or statutory damage up to {$1000.00} and punitive damage for each inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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: FL

Complaint:
I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA
Tags: Older American

Complaint:
I called the XXXX XXXX section of XXXX to book a room regarding my free anniversary night ( see below ). 
They said they will not honor it now -would only do up to a category 4 hotel ( which does not cover the hotel I chose ) as the program changed. Discussed it with the representative and the supervisor. Says it can't be honored or changed. I earned this free stay, I received the certificate and they should honor it. They said that numerous emails went out the last few months regarding a merger with another hotel chain, but did not specify that our earned certificates would no longer be honored. I believe that if they change the program, then have the certs that were issued after the date ( apparently XX/XX/XXXX ) have the new requirements on it. 



Happy anniversary! One special benefit of your XXXX XXXX XXXX Credit Card is that you are entitled to a free night at a category 1-5 hotel anywhere in the world for your account anniversary. We thank you for your loyalty. Sign in to your Reward account today to see your free-night certificate XXXX XXXX XXXX. Sincerely, Rewards Credit Card Team Reward Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Description : PREMIER VISA XXXX CAT 1-5 HOTELS  Reward certificate number : XXXX Reward code : XXXX Valid at hotel categories : Categories 1-5 Valid for stays through : Thursday, XX/XX/XXXX Certificate deposit date : Tuesday, XX/XX/XXXX Reward Terms & Conditions Anniversary Free Night Stay E-Certificate is valid for hotels in categories 1-5. For participating category 1-5 locations, log on to XXXX or call XXXX. The E-Certificate must be redeemed within 6 months from date of issue. E-Certificates may not be transferred, extended beyond the expiration date, or re-credited for points. To qualify for the Anniversary Free Night Stay E-Certificate, your account must be open and not in default on your account anniversary date. XXXX is not responsible for offer fulfillment. 


Rewards Account Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc.
State: GA

Complaint:
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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 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 2018-07-30
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: TX
Tags: Servicemember

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you

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 2023-06-22
Product: Debt collection 
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property
Company: Westlake Services, LLC
State: SC

Complaint:
I contacted Westlake Portfolio Management on Wednesday XX/XX/2023 to make a arrangement for my monthly payment of of {$500.00} to be paid on Friday XX/XX/2023 and they agreed. On Thursday morning a tow truck came and took my vehicle and I was only a week behind. When I contacted them I was told I had to pay the remaining balance of {$3000.00} to get my car back and the title. They wouldn't even take in consideration that I made a payment arrangement to pay my car note for XXXX on Friday. They dismissed the fact that I'm XXXX and have documentation that I was in the hospital that made me a week behind.

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