hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Tags: Older American, Servicemember

Complaint:
Refinanced my home too pay-off credit cards. all credit cards were sent cashiers checks and all but USAA took payment and closed accounts as requested in a few days. The first cashier check for {$8300.00} mailed by priorty mail on XX/XX/2019 and delivered and signed for by XXXX on XX/XX/2019. XX/XX/2019 I called USAA and they denied receiveing. I called title process company XXXX and they cancelled and re-issued a new check as per USAA agents precise directions overnight. Again signed for by XXXX. called USAA XX/XX/2019. They stated 10 business days too process the bank cashiers check extending the process until XX/XX/2019. I called XX/XX/2019. XXXX EXTXXXX executive resolution team confirmed the check was received but not processed and all not processed checks were immediately returned too sender. XXXX had not received the check back. XXXX the original processor again called USAA and Again cancelled and mailed another with the same information by overnite priorty mail. I count a minimum of 38 days past that USAA is charging 16.5 % on {$8300.00}. That check was issued by the re-finance for {$8300.00} when the the actual payment turned out too be {$8000.00}. I yet have no reply from this criminal USAA operation. 4.5 % is also being pd too refinance loan too on {$8300.00},

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint:
Professional Credit Management continues to report a debt on my credit profile after I have disputed the account asking them to validate it is my account. They failed to validate the account with my social and my signature. They sent me an itemization showing what procedures were done at XXXX ( HIPAA violation ). I have no knowledge of the account so I asked for these pieces of information ( social and my signature ) to validate that it is actually my debt. The first letter was sentXX/XX/XXXX and the second one in XX/XX/XXXX. I have even offered to pay the amount they say I owe if they would remove it from my credit profile inXX/XX/XXXX. That request was denied.
I 've included an attachment to show when this account was opened. You will also see the remarks that shows I have disputed this. The opened date of XX/XX/XXXX also puts them outside of Arkansas Statue of Limitations for Medical Collection : Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).
I have not paid anything towards this debt and continue to go back and forth with them over an account that is being reported outside of my state 's statue of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Product: Debt collection 
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: NRA Group, LLC
State: FL

Complaint:
NATIONAL RECOVERY AGENCY is falsely reporting debt on my credit report. They are reporting two different accounts ; one in the amount of {$1200.00}, and another in the amount of {$970.00}. NATIONAL RECOVERY AGENCY is reporting both of these collection accounts, to all three credit bureaus with a false original date of XX/XX/2022. Both of these collections accounts are too old to be on my credit report. NATIONAL RECOVERY AGENCY is not legally allowed to report these debts to the credit bureaus according to the FCRA. It is the burden of NATIONAL RECOVERY AGENCY to prove that these collections reports are legitimate and they can not do so therefore these accounts must be removed from my credit report. NATIONAL RECOVERY AGENCY must stop reporting these accounts immediately as they are in violation of the FCRA. 

XXXX has recognized through a dispute that these collections accounts are illegitimate and they have been forcibly removed by XXXX. Please see attached dispute report. 

However, despite this NATIONAL RECOVERY AGENCY is continuing to report false information to the other credit bureaus. 

NATIONAL RECOVERY AGENCY ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NTL RECOVERY AGENCY XXXX XXXX XXXX XXXXXXXX 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 2022-03-15
Product: Debt collection 
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: VA

Complaint:
Last year my son was very ill, it was around that time where I ended up in the emergency department at XXXX XXXX XXXX. When I was released, I went back to being inpatient with my son. I received a call sometime in 2020 about this bill from the collections agency. I had not received a bill from the hospital nor was I given the opportunity to work it out. 

At the time, they explained to me where the bill was from and that if I didn't pay the amount in full, it will be reported to the credit bureau. 

I had not seen the bill before and I was not in a position to pay the full amount in a short period of time. 

In XXXX my credit score dropped drastically, this was due to Credit Control Corporation reporting this bill to the bureau as they threatened me with and followed through. 

I called and explained I couldn't pay and said this was already in the bureau and nothing they could do and offered me a settlement which I couldn't do at the time. 

In XXXX they reported the same debt again, and most recently in XXXX, last week. This is very unfair and XXXX practice. When I spoke to them, they said " to pay as little as I could when I could and not to worry about the bureau as this had already been reported '' this was not true. Instead they have been reporting it to all credit bureaus each month, making my credit drop for over 80 points and putting at risk my financial stability and established obligations with other creditors. 

I ask to resolve this issue by Credit Control Corporation removing these reports that have been so damaging to me and my family ( last XXXX months ) and to stop reporting the same thing month over month. We are still battling with major illnesses and are willing to work something out when we are in a position to do so. However, under fcra and fdcpa I think the excessive reporting and contradicting information is a violation of my consumer rights.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: NJ

Complaint:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights 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 15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A 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 2019-05-08
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: MO

Complaint:
As a Missourian in concert with the state law one has the right to bring civil action against anyone including a consumer reporting agency, inwhom improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data. My instant issue here is that I have sent a demand to all of the 3 major credit reporting agencies to either provide me with physical documentation of these unknown and unauthorized accounts reporting on my credit file or to block, remove and/or delete these items immediately Pursuant to FCRA 611 ( a ), and the FCRA. 

Accounts 1 ) XXXX XXXX {$4500.00} 2 ) XXXX XXXX XXXX {$30.00} 3 )  XXXX XXXX XXXX {$680.00} 4 ) XXXX {$72.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX of {$5600.00} 9 ) XXXX XXXX {$2800.00} Please remove all the about accounts from my credit data file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2018-11-29
Product: Vehicle loan or lease 
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint:
I have a ldw ( loss damage waiver coverage and Gap insurance with Lobel Financial since XX/XX/XXXX i first financed my vehicle I've had this vehicle 1yr 10 months i am so close to paying it off. Car accident of My car was hit and ran i was not at fault on XX/XX/XXXX i submitted my police report to the company. After calling then endlessly and being hung up on multiple times vu the company 's Claims customer service rep, they eventually sen out an appraiser Two days later XX/XX/XXXX, she tokd me they'll have my repot the same day. I erged them to please expedite the process due to this situation holding me back from obtaining another loan for a vehicle because i do need to get to work with stable transportation. However i gabe them a call today XX/XX/XXXX amd was told the appraisal report was not sent to them so i hung up with the representative amd called the appraisal representative myself amd she informed me that my appraisal report was indeed sent on the same day XX/XX/XXXX, so the compnay definitely have it. Why are they making me sufder prolonging my claim? If they don't want to handlr thesw ttpes of things maybe theu shouldn't be in this type of business or providing tne tyoe od services they are offering, poor customer service and they give me the run around and hang up in my face, denying me to speak with a manger, they treat me like i am doing something wrong, like they are punishing me through dragging my claim out and getting me back on the road. I aksed then will tbey ne repairing my vehicle or would they be totaling it out so that I'll know what u meed to do for now however they are not giving me any answers when it is my right to know. This is sad because there's no other way to get in contact with anyone else for this company. I am very exhausted and emotionally botgeres dealing with this type of treatment from this company is this hie they treat their customers something big has to be done about this. I need more resources for getting this business recognized for these foul and negligent acts against consumers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Product: Debt collection 
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: PA
Tags: Older American

Complaint:
On XX/XX/XXXX I received a response from Zwicker and Associates through this CFPB and contacted the number on the response. I made my first payment of {$50.00} on the {$2100.00}. on XX/XX/XXXX. 

Today, XX/XX/XXXX I got paperwork in the mail which I can not attach a copy of that changes the amount both Zwicker and I agreed to to {$4600.00} plus interest plus filing fee of {$210.00}, service fee of {$62.00}, plus XXXX filing fee of {$39.00}, and am feeling threatened that if I don't agree and sign that if I don't sign I free them to take whatever action they deem necessary to collect more than what Zwicker and I agreed to after I filed my complaint. IF the initial lawyer had worked with me court would not have been necessary.

When I spoke with someone I was told that XXXX agreed to the {$2100.00} amount so the lawyers in XXXX PA are not representing their client correctly Paperwork attached below. 

This is causing me unnecessary mental and emotional distress especially since I tried to resolve this account XX/XX/XXXX but was unable to. I was left with a very strong impression that XXXX would not allow them to work with me - I told them I could not afford {$290.00} a month then. I feel I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

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

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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: SYNCHRONY FINANCIAL
State: AZ
Tags: Older American

Complaint:
In XX/XX/XXXX I pulled my credit report from XXXX and noticed an account listed as " Joint Account '' for SYNCB/CARE CREDIT. I have never been had a Joint Account with anyone other than my husband. I called and found out that this account is for Dental or Medical, I have always had full Medical and Dental Insurance through my husband 's employer, XXXX and would not need to have an account with Care Credit. My husband passed away in XXXX so I have no way of asking him if he knew anything about this account. I wrote to XXXX asking them to investigate this account because I am sure I never opened the account. Received the XXXX response to my request which was, " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' The report showed who the account holder is and I do know the person but I never opened the account as a joint holder with this person who used to work for us on and off and she moved out of state. This account was opened fraudently without my knowledge. The account holder could cause my perfect credit score to downfall or could open other accounts with my information since she apparently had access to it at one time.

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 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: ATG Credit, LLC
State: PA

Complaint:
I attended XXXX XXXX XXXX XXXX back in XX/XX/XXXX then due to circumstances with my family, I had to leave then re-enroll in XXXX. From that first enrollment, I was told by multiple financial aid advisors that I had no other account with them and that I am all up-to-date in my student loans. I received a few calls throughout XXXX regarding an overdue balance of {$4500.00}. I would ask when it was placed, ANY information regarding it and they would just say " you have a balance of {$4500.00} and It doesn't show me any other information after that. There's nothing else on your account so you should be all set. '' I thought it was super weird and suspicious that no one can tell me where this {$4500.00} came from and if it was from that first enrollment period then I can understand but nothing else showed in the system for them? 
After not getting random phone calls every 4-6 months, I received a letter in the mail saying the account is in collections with ATG credit and you need to settle the amount of {$4200.00} immediately. I check my credit score regularly and immediately had seen at that moment it hit all 3 credit bureaus and my score dropped 30+ points. I explained to ATG credit that XXXX confirmed multiple times I do not have any unpaid balance with them and there is no record of that amount coming from anywhere else, not from my 1st enrollment or 2nd, NO WHERE ELSE.

It is extremely fishy and disheartning to see my credit score drop so drastically when I worked my XXXX off building it up to a good spot to buy a house in the near future and to be financially stable. I was at a great place with it, compared to where it was originally, and this collection account wiped away all that hard, earned work. 
I disputed it multiple times with XXXX XXXX and XXXX  but there has been no luck with XXXX. Both XXXX  and XXXX  removed the collection account from my reports but XXXX  is, for some reason, keeping it on there. It is so frustrating because I had the same thing happen with XXXX XXXX and found out, through the XXXX  that they are frauding accounts due to the pandemic. Please comply with the rest of the reports and remove the ATG Credit collection account for {$4200.00} off my XXXX  credit report immediately. Thank you for listening!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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: Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint:
I sent you a letter last XXXX XXXX XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 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 non-monetary relief
Consumer complaint received 2020-04-19
Product: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint:
I have contacted the company regarding this false information that they have placed on my credit report. 

Commonwealth Financial Systems Inc. 
XXXX XXXX XXXX XXXX, PA, XXXX Medical collection bill {$740.00} I do not owe this debt and I believe this was place in collection in error. 

Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint:
I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/XX/XXXX ( documents attached). Come to find out that the last 2 payments made of $XXXX on XX/XX/XXXX and another for $XXXX  a week after that (receipt of payments with confirmation # s uploaded)  XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of $XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!

Company response to consumer: Closed with explanation