hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2023-03-06
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: EQUIFAX, INC.
State: FL

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 XXXXXXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint:
I opened an account with Chase Bank on XXXX XXXX, XXXX. I set up direct deposit with my employer, the City of XXXX XXXX, the week of XXXX XXXX. Because of the processing time involved with switching direct deposit accounts, I received a paper paycheck on XXXX XXXX. 

I went to Chase Bank on XXXX XXXX to deposit the check. The teller informed me that the check would be held, but that he could not tell me how long the check would be held for until it was deposited. Thinking that the delay would be at most, two or three days, I deposited the check. 

After I depositing the check, I was told that it would be held until XXXX XXXX. Obviously, holding my paycheck for over a week was both unusual and highly inconvenient for me. I called the customer service line the following day, and I was told that due to the check not verifying, my account had been " restricted ''. 

The representative tried calling my employer to verify that the check had been issued, but could not reach them. When I asked why the check was held in the first place, I was told that it was because my account was new. 

I called again and the representative I spoke to tried to call the issuing bank. I was then told that the issuing bank would not verify that the check would clear over the phone. Because of this, I was told that the check must be held until XXXX XXXX and that I had no recourse, even if my employer verified the check was issued. I was told that the check was held not because it was a new account, but because it could not be verified through the process used for all checks. 

I explained to the representative that the check in question was my paycheck, and that holding it for over a week would make it difficult for me to pay bills I had due, and asked if there was anything I could do to remedy the situation. I was told explicitly that I could n't do anything except wait until the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint:
I have tried to fix my issue with XXXX numerous times concerning my credit report. They are reporting numerous accounts that are inaccurate and unverified. I have looked at all 3 credit bureau reports and noticed XXXX is reporting the views on the cumberland was opened on XX/XX/2016. Then on my Transunion report I have that it was opened on XX/XX/2016. None of the dates match up on my credit report. They should all say the same exact thing. Every date from the date it was opened until the day it was closed or charged off should be the same. I wanting this account removed immediately from all 3 credit bureaus for reporting inaccurate information.

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 2023-02-03
Product: Checking or savings account 
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account
Company: ASSOCIATED BANC-CORP
State: IN

Complaint:
I opened an Associated Bank checking account on XXXX XXXX XXXX. I made an initial deposit of {$25.00} through a transfer from my XXXX XXXX XXXX account. A few days after this my AssociateXXXX Bank account was locked and my online access blocked. I talked to a representative who said I will receive a call/communication regarding the block from a bank representative. I never received a call or any explanation and then received a letter in mail on XX/XX/XXXX saying that my account has been canceled due to fraudulent activity. I have not yet received my {$25.00} in deposits that was made in XX/XX/XXXX. I would like to get my funds back immediately with the owed interest. For anyone else who is reading this review, run far far away from doing any business with this bank. They don't deserve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: TX

Complaint:
In accordance with the Fair Credit Reporting act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have violated my privacy rights as a consumer. 

I have a right to privacy 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
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: CA

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}, {$5600.00}, {$2100.00}, {$4800.00}, {$830.00}, {$0.00}, {$47000.00}, {$0.00}, {$13000.00}, {$200.00}, {$3100.00}, {$6600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

5. XXXX XXXX USA/TARGETCRED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$47000.00} -This is not my account. 

8. XXXX XXXX SERVICES with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. I. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

11. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). YOU, XXXX ARE IN VIOLATION 15 USC 1681i ( 7 ) and 15 USC 1681i ( 6 ), FAILURE TO PROVIDE NOTICE AND RESULTS OF REINVESTIGATION PROCEDURES. PLEASE RESPOND IN 15 DAYS TO INFORMATION PROVIDED IN ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: TX

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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: EQUIFAX, INC.
State: TX

Complaint:
inaccurate information is being reported on my credit report. it is affecting my credit and credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint:
I have been trying to get my credited amount of XXXX dollars on my account since XXXX of XXXX to no avail. 

Purchase made in XXXX of XXXX in the amount of XXXX to a credit card from Bank of America. Total balance was paid off in XXXX of XXXX. 
I was notified in XXXX that this was a fraudulent transaction and began the process of reporting this to B of A and to get it resolved. 
Received a letter on XX/XX/XXXX to let me know B of A was working on my request and to send any information that I had to support my case. That information was sent. 
Next letter came on XX/XX/XXXX that they needed my signature to continue. Signed on XX/XX/XXXX and sent back to them. 
Next letter received on XX/XX/XXXX that they were working on the claim. 
Next letter received on XX/XX/XXXX they were going to temporarily credit my account in the amount of XXXX dollars. Which they did but this went into a new account number. 
Next letter dated XX/XX/XXXX said " the pending transactions I reported as suspicious never posted to my account. '' Which it had as by the enclosed statement from XXXX XXXX XXXX XXXX and was paid off. Therefore they consider my account resolved. This now shows a XXXX dollar credit in my new account and has every statement since to date. 
I started calling customer service in the beginning of XX/XX/XXXX to get this money refunded to me. Told they would send but would take 10 to 21 days to receive. 
Called again on XX/XX/XXXX since I did not receive it. Again I was told the same thing. 
Called XX/XX/XXXX then the beginning of XXXX and spoke to XXXX and then to XXXX. At the end of XXXX I spoke to XXXX. On XX/XX/XXXX I spoke to XXXX after a few minutes I asked to speak to a manager who I was told was a XXXX XXXX. I only got relayed messages from her through XXXX. She did not allow me to speak directly to XXXX. Was told by all they would send me a check but would take 10 to 21 days. 
I am now reporting this incident to you to see if I can get this resolved.

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 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint:
After reviewing my annual credit report I noticed that you have violated the FDCPA as well as FRCA the required noticed of dispute is missing this information has to be enter within 30 days of a completed investigation or it has to be deleted from the consumer credit file Equifax and XXXX when XXXX XXXX XXXX remove this violation please send me a updated copy of a credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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: Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: PA

Complaint:
On XX/XX/2022 I disputed a charge on my chime credit card. 
On XX/XX/2022 Chime closed all of my accounts. 
On XX/XX/2022 I received an email from the chime dispute team notifying me that there was a billing error and that {$1600.00} was refunded into my account. However, said account is closed and Ive been calling and emailing daily to see where the money is, I am not receiving answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
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: JPMORGAN CHASE & CO.
State: TX

Complaint:
Chase Bank didd a hard credit pull on my account onXX/XX/XXXX, XX/XX/XXXX. I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA and they are not removing them after I have spoken to Chase rep XXXX XXXX credit bureau specialist on XX/XX/XXXXat the cooperate office who stated it would be resolved in 15 working days instead i am just accumulating more hard inquires. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
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: Maximus Education, LLC dba Aidvantage
State: NY

Complaint:
These 4 student loan accounts were disputed for showing incorrect information. The report came back verified but that would be impossible because it shows late payments incorrectly. It jumps from XX/XX/XXXX as paid to XX/XX/XXXX as 90 days late then XX/XX/XXXX as 120 days late that's impossible. This report has been reported falsely for over 3 years and they will not conduct the proper investigation. 4 accounts not being shown as 4 120 day and 90 day late payments shows up as 8 late payments for over 3 years when they were never reported correctly to begin with.

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint:
XX/XX/XXXXask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XX/XX/XXXXthat ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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: Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
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: BARCLAYS BANK DELAWARE
State: CA

Complaint:
Few month 's ago on my Barclays luxury card statement i discovered they had been charges that was not authorized by me nor anyone else that i know. I immediately contacted Barclays bank and told them that i had opened my statement and noticed there has been charges on my credit card that was not authorized by myself and they asked me if i had lost my card or is it in my possation? i told them i had lost the credit card and do not have it in my possation, and they told me they are closing that particular account and issuing me a new card with a new account number also they told me i am not liable for any unauthorized charges all i need to do file a police report and send them a copy of the police report which i did. to my surprise i had received a letter stating that all charges on the statements are mine and i am liable for it. i immediately contacted Barclays bank again being very upset and i asked to speak to a supervisor and was told there is no supervisor on duty. and i talked to a representative and told them exactly what just happened and they told me that they are going to resubmit the claim. a few weeks later i had received a letter from them that my investigation was complete in my favor. two days later i received a letter that my claim was denied and as the result i am responsible for the unauthorized charges. i was so upset and a friend of mine told me to go online to CFPB and that why i am here now. please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: FL

Complaint:
XXXX, Transunion and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX - # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.

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