hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2022-01-24
Product: Debt collection 
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint:
received a statement on XX/XX/XXXX for {$160.00} and XX/XX/XXXX {$5900.00} for services received on XX/XX/XXXX. 

XX/XX/XXXX spoke to XXXX XXXX at XXXX Ref # XXXX, amount due is {$38.00}, she requested a corrected statement from XXXX XXXX XXXX XX/XX/XXXX received letter from XXXX XXXX for final notice for payment XX/XX/XXXX check # XXXX cleared bank for amount due {$160.00} XX/XX/XXXX Final notice received from XXXX XXXX XX/XX/XXXX spoke to XXXX Ref # XXXX sent letter stating amount has been paid by XXXX, requested itemized statement XXXX XXXX from XXXX XXXXXXXX XXXXXXXX XXXX faxed to XXXX at XXXX XXXX XXXXXXXX on XX/XX/XXXX SEE XXXX page XXXX of XXXX  XX/XX/XXXX XXXX  sent a letter to XXXX XXXX stating per the contract in network doctors and facilities can not bill for services per their contract XX/XX/XXXX XXXX spoke to XXXX at XXXX XXXX stated XXXX at XXXX sent an explanation of benefits to management at XXXX XXXX XXXX was told not to pay at this time because amount due was to be zeroed  out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Product: Checking or savings account 
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint:
On XX/XX/2019I opened a Bank of America Checking Account using the promo code #XXXX, a code that was specifically unique to me using a physical mailer. I opened this account with verification code #XXXX.This targeted promotion was for a $XXXX checking account bonus after having direct deposits totaling > $XXXX in the first 60 days. Here is a timeline of what happened:XX/XX/XXXX: Account opened using promo code #XXXXXX/XX/XXXX: $XXXX direct depositXX/XX/XXXX: $XXXX direct depositXX/XX/XXXX: Received $XXXX bonusXX/XX/XXXX: First call regarding missing $XXXX. Customer service rep indicated she could not find any information regarding the bonus but to be patient and it would appear.XX/XX/XXXX: Second call regarding missing $XXXX. Customer service rep said bonus would appear within the next week.XX/XX/XXXX: Third call regarding missing $XXXX and escalated up customer service. Customer service indicated they had no record of the promo and that I was not targeted. Customer service rep said in order to get this missing money I would need to go into a branch to argue with the bank manager about this.After satisfying all of the conditions, Bank of America has no paid out the bonus to me which they initially were advertising. Bank of America has paid out the public bonus at the time; however I have received mixed information about the targeted bonus.

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 2018-05-10
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: EQUIFAX, INC.
State: CT

Complaint:
I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to XXXX and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XXXX and was told it would be resolved in a few days My current mortgage company called them again on XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint:
My account was defrauded last year, I opened a fraud case and filed a police report as instructed by TD bank. The bank said they would send it to global securities and investigate the case, it has been a year and they have NEVER investigated the case, or even gotten back to me. Instead theyve attempted to eschew all responsibility and claim its not their job to investigate the case despite telling me they would do so. At this point it is negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc.
State: MS

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX  ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/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 2019-03-08
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem
Company: ALLY FINANCIAL INC.
State: FL
Tags: Servicemember

Complaint:
I was under an Ally Auto, Loan Agreed Payment Arrangements Ref # XXXX. My payment, and payment date was altered from the original contract. I have NOT been late on my payments, and furthermore met all the agreement terms as instructed by Ally in their correspondence. I faithfully paid my auto loan monthly. Checking my bank records, they take over a week to process my mailed in check thus making it appear I am late. 
I have tried paying Ally Auto, electronically, by check in the mail, and before the due date the 30th of each month. Reviewing my bank records, it is clear Ally Received my payments on time. 

I have had nothing but trouble with Ally Auto, from the very beginning of the loan. Reviewing on line complaint organizations, Ally Auto, is number one in customer complaints, and notorious in charging various miscellaneous late fees and extra charges. 

I have written, called and even wrote their customer complaint depart, with no results, just more billings of extra late fees, and charges. This is consumer abuse in its ugliest form. 

Please, someone help me with the beast Ally Auto. I have paid them faithfully every month, but due to their accounts payable system, the checks I send in advance take over a week to clear my account. I do not have any other problem with my routine monthly bills for other accounts, just Ally Auto. 

Here is my payment record for the last eight months which is taken from my bank records : XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment Please note, that they always take over a week to process my check, thus applying a late fee, upon the delayed deposit for payment in my bank. I send the check well in advance of the due date, allowing time for the mail to deliver the check to them. 

Now Ally Auto is claiming that I missed the last two payments in XXXX and XXXX or this year. They are demanding {$1800.00}, in past due payments, late fees and charges. 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 2019-05-14
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: CO

Complaint:
XXXX and Transunion are reporting incorrectly that I am30 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 5 and 6 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-03-17
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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: CA

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$3200.00}, {$2000.00}, {$300.00}, {$8200.00}, {$1200.00}, {$2000.00}, {$1800.00}, {$1800.00}, {$4000.00}, {$4000.00}, {$0.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

7. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on APR XXXX, XXXX with a credit limit of {$1800.00} -This is not my account. 

9. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

10. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

XXXX. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 


-- AUTO ACCOUNT 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint:
I am enrolled in XXXX through XXXX. Through XXXX, I received Credit Alerts related to several " New Inquiry '' requests that I did not make or request to have performed, and that I do not recognize or have any information about. These inquiries ( detailed below ) into my credit file were done fraudulently and without my permission. 

Specifically, on XX/XX/XXXX, an inquiry was made made through Experian from the following company : " XXXX XXXX XXXX XXXX XXXX. '' When I XXXX this abbreviated name, no further information was provided for the name of the company/business, but there were several forums that discussed the fraudulent nature of this inquiry. I have never contacted any company and/or entity related to the above abbreviated name with respect to running a credit report or requesting any services from any company and/or entity related to the above abbreviated name that would trigger their running a credit report about my credit file, history and/or information. 

Further, on XX/XX/XXXX, three separate inquiries were made through Experian, from the following companies : XXXX ) " XXXX XXXX XXXX '' XXXX ) " XXXX XXXX XXXX. '' XXXX ) XXXX XXXX When I XXXX  the above companies, it was revealed that the three inquiries, in order, related to a XXXX XXXX application for a credit card, a request by XXXX XXXX, and a request by the XXXX XXXX XXXX XXXX XXXX. I have never contacted any of those companies with respect to running a credit report or requesting any services from any of those companies that would trigger their running a credit report about my credit file, history and/or information. 

Similarly, on XX/XX/XXXX, a separate inquiry was made through Experian from the following company : " XXXX XXXX XXXX. '' On a related note, I received a letter in the mail from XXXX related to an application for a " XXXX XXXX XXXX XXXX. '' Similar to the above requests, I never contacted XXXX with respect to running a credit report or requesting any services from XXXX that would trigger XXXX running a credit report about my credit file, history and/or information, and never applied for a XXXX XXXX XXXX XXXX or any other credit card through XXXX. 

Each and every of the five ( 5 ) above inquiries into my credit file were performed without my permission and without my knowledge. I never requested any of the above companies to run a credit check, and never requested nor applied for any services with those companies.

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 2020-12-14
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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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: Experian Information Solutions Inc.
State: TX

Complaint:
This loan was paid in full. It was never sent or sold to a collection agency. They have refused to provide the correct information and now it is showing as a charge off when it wasnt. Experian was provided with a letter I received from XXXX stating the loan was paid. I also have proof showing XXXX was who deducted the FULL payment from my bank account.

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 2020-07-27
Product: Vehicle loan or lease 
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint:
On XX/XX/XXXX the vehicle I least was involved in a total loss accident. On XX/XX/XXXX the insurance company sent XXXX to Ally Bank for a payoff. On XX/XX/XXXX Ally posted the payment. On XX/XX/XXXX I contacted Ally to pay the XXXX deductible, and was told by Ally to wait till the account was finalized because the amount may be adjusted because of the Gap insurance on the lease. On XX/XX/XXXX the account was charged off as bad debt for XXXX saying my account was delinquent for two months, it was not delinquent. My credit dropped 50 point just as I am in the middle of a refinancing on my home. When the account showed up on my credit I immediately paid the XXXX and I still have no idea why I was billed. I have asked Ally to send me a breakdown of the bill and also correct my credit report and have been told by 3 different  operators, they dont do that and all they can send me is a paid in full bill.

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 2022-12-19
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: MI

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. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : 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 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 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint:
I disputed this account recently letting them know that this is incorrect reporting and requested verification of the debt. They have told me they've verified the debt however have not provided proof of the verification or of original debtor verification. I have made the request twice within the past 5 months.

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