hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 XXXX XXXX XXXX Account # XXXX Date opened- XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account
Company: Upgrade, Inc.
State: FL
Tags: Servicemember

Complaint:
Upgrade Card XXXX. On XXXX XXXX I called to close the account I was advised they could not because there was a balance. I paid off the account while the representative was on the phone. The funds cleared my XXXX account on XX/XX/XXXX. I then had to call again to close the account, which was not done. Then I was told on XX/XX/XXXX they state the account was closed. I went to my credit report to dispute the account as paid off and closed. Upgrade on XXXX confirmed with XXXX that the credit limit was not XXXX like previously reported but XXXX and the balance owed was XXXX. I have called several times to close the account. I open the app and says the account is active. I have also mailed the card back to close the account and advised Upgrade Inc to have no more electronic notices or information. Upgrade Inc. is still sending everything electronic and will not mail. Now the account shows my new due date of XXXX XX/XX/XXXX. I do not know what else to do to close the account. XX/XX/XXXX I called and spoke to XXXX who hung up on me after asking for a supervisor XXXX because XXXX was leaving in a minute, and not supervisor was there. XXXX stated there are notes on the account and it was escalated but nothing happened. XXXX XXXX responded to my email that I needed to call in about closing my account. I have emailed, called, sent letters nothing happens and Upgrade Inc. still reports the account incorrectly and confirms that it is right but the information is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: TrueAccord Corp.
State: CA
Tags: Servicemember

Complaint:
Account Information Name : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX, XXXX. 
Outstanding Balance : {$120.00} Payment Amount : {$120.00} Make a payment now You are making a payment of {$120.00} towards your balance of {$120.00} due to XXXX XXXXXXXX 








Card Bank Transfer Credit or Debit All fields required. 




Name ( As appears on card ) Card Postal / Zip Code I made a reservation thru XXXX Hotels for the amount of {$120.00}. I immediately cancelled the reservation. XXXX XXXX has been charging me amount due. I have sent them documentation to let them know that XXXX confirmed the cancelation. 

Now it is in collection via TrueAccord. TrueAccord at XXXX or ( XXXX ) XXXX. This is the organization that is requesting debt collection. 

I will not pay them for a service that was not provided to me whatsoever. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: GA

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. 


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  has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
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: CA

Complaint:
XXXX XXXX XXXX, XXXX. XXXX, a collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.

This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner, according to the banks account disclosures booklet, resulting in more than XXXX @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business day cutoff, and taking their time to credit the deposit which paid overnight, the XXXX bank self-generated about {$350.00} in fees. 
Federal reserve guidelines were not adhered to regarding bank cutoff, hold times, business day, banking day, etc so that the bank could generate massive illicit fees without risk or investment.The unscrupulous bank has now turned their illicit endeavor over to professional extortionist XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: MN

Complaint:
I never received a bill for the medical debt. After seeing the bill I can see why. It is because the debt is not mine. I notice a derogatory/negative mark on my credit report and called they company to find out why. They would not give me any information. I talked to XXXX XXXX and he could not find a debt owed at my current or previous addresses. He would also not let me speak to a supervisor. The response I received from the XXXX  said they never talked to me which is also incorrect. Because it is a fraudulent debt I do not want to give them my personal information although I did try to verify my address and they could not verify an address I have lived at for the past 15 years. The address on the bill is for the following address : XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX, OR XXXX I have never lived in XXXX Oregon and was living in Utah at the time of this bill. It is obvious from the address that I have never lived there because I was not living in a shelter. 

They do not have and corroborating information on the bill to show that it is mine. I would like to know how they linked it to me since it is not me and is fraudulent.????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: PA

Complaint:
I recently reviewed my credit file and noticed some inaccuracies. I as the credit bureaus to verify and XXXX removed the accounts. I sent the results to the XXXX and Transunion but the continue to say the information is correct. My question was if XXXX found the items to be incorrect how are the verifying the data. All report must be a the same on all three reports. XXXX then, reinserted the accounts without proper notification as required. Under fcra sec 1681i sec 611. the following accounts are listed below. 

XXXXXXXX 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 In accordance with to the FCRA these creditors have violated my rights under the following credit reporting laws 15 U.S.C 1681 sec 609 PART 5 15 U.S.C 1681 sec 604 A sec 2 15 U.S.C 1681 sec 602 A

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 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE
State: HI

Complaint:
Someone attempted to apply for a mortgage with my SSN. I have a hard inquiry on my XXXX  credit report for a mortgage through Huntington Bank for XX/XX/2020 that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
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: GA

Complaint:
I have informed all reporting agencies that I did not file bankruptcy.

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 2021-10-13
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: BARCLAYS BANK DELAWARE
State: UT

Complaint:
On XX/XX/2021, I responded to an ad on XXXX for Paddle Boards, using my XXXX Visa as payment. When the items did not arrive as stated in the ad, I disputed the charge to my XXXX account, on XX/XX/2021. XXXX issued a credit. On XX/XX/2021, XXXX rebilled the disputed amount, without explanation, and without evidence to support the rebill. I contacted XXXX by written correspondence on XX/XX/2021. XXXX rejected my written dispute, saying my dispute was outside the dispute time period. XXXX declined to provide evidence supporting their decision for rebilling the disputed amount.

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 2023-06-28
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: FL

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to delete these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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: OH

Complaint:
I have contacted the company several times and advised I have no knowledge of this account. I have asked for documentation or signature examination and no response but keeping reporting negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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:
XX/XX/XXXX & on XX/XX/XXXX I sent a letter with a federal trade commission affidavit to the XXXX, Equifax, and XXXX explaining to them the information on my credit report was inaccurate and for them to investigate. I gave them 30 day to respond to me and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: WELLS FARGO & COMPANY
State: CA

Complaint:
I had my Wells Fargo credit card stolen from me and fraud committed on it. I have left several complaints and it hasn't been resolved. I filed a police report in the matter when the fraud was first realized as well. Wells Fargo isn't working with me in any way. Two weeks ago when I checked on my account with Wells Fargo is was closed with a XXXX  balance. Now I just recently checked on it because I see my credit score has dropped by 25 points and Wells Fargo reopened the account at a negative balance cause of the fraud amount. THIS IS 100 % FRAUD and I made a police report and reported it with Wells Fargo right away. It was my impression that I'm not responsible for Fraud yet when I spoken to Wells Fargo directly they say that YES I am. This is not right. I been a loyal customer for years and they are treating wrong here and from my knowledge unlawfully. This is FRAUD and I did not give anyone permission to use my card. It was stolen from me and it was reported as such

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 2019-03-17
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: NCC Business Services, Inc.
State: NV

Complaint:
My monitoring service is reporting a fraud account from NCC BUSINESS SERVICES in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$2500.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Product: Student loan 
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint:
When I was XXXX years old I thought it would be a great idea to go to a XXXX school. I found one in XXXX and before I knew it I had a loan with XXXX XXXX for {$20000.00}. What I did n't understand at XXXX were the terms of the loan. I 've been paying the loan for 10 years and my balance is still {$20000.00}. Looking at it now I see that my re-payment amount is {$75000.00}. So far all of my payments have gone to interest. {$75000.00} for a beauty school which I consider to be a scam seems insane. I pay over {$300.00} a month.I do believe I was a victim of predatory lending. The total payments so far already add up to far more than my original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc.
State: TN

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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account
Company: Comerica
State: TX
Tags: Older American

Complaint:
I was previously a XXXX member. I closed my account with them after they changed the amount you had to spend in order to receive free shipping of your items. But they have continued to charge me for membership. I have called and talked to managers 3 times only for them to tell me that i was not being charged as a member. They advised i call my bank. A time period did lapse in the beginning after my calling because the bank had changed the website and i was unable to sign in to my account which i called the bank and told them about this problem several times. Always being told they would have someone call me which never happened. I was charged {$14.00} on XXXX, XXXX, XXXX, XXXX, and XX/XX/25. During those time periods i bought nothing from XXXX. I promptly told them when i saw that i was still being charged this amount once i was finally able to see my bank statements and they will probably continue to charge me because the bank says they did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Capital Accounts, LLC
State: MI

Complaint:
I received a letter from Capital Accounts on XX/XX/XXXX about a debt that is not mine. I called them and instead of then investigating it, the woman called me a liar and started harassing me. I have not had services from XXXX XXXX this is not my debt or account, I have not been seen by that office since XXXX and theyre claiming its for services rendered in XXXX. I want it removed ASAP, this isnt mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint:
XXXX Location - Best Buy They promised us {$140.00} for tech support and was charged {$190.00} instead.Customer service with your company is nothing but a nightmare

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 2022-08-10
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: Resurgent Capital Services L.P.
State: GA

Complaint:
Hi I am submitting this XXXX XXXX, this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my XXXX has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my XXXXo say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: EQUIFAX, INC.
State: OH

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation