hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card 
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CO

Complaint:
On XXXX XXXX I paid {$100.00} for a XXXX  with XXXX XXXX XXXX. Unfortunately it was not a XXXX, the dr did not even look at the area I wanted the XXXX  XXXX done on, did not answer questions, this was not a XXXX. I sent an email with questions and concerns to XXXX of XXXX XXXX XXXX on XX/XX/2020. XXXX replied on XX/XX/2020 stating that they would issue me a full refund for {$100.00}, did not want to work with me on my XXXX. See her email below which I have attempted to share with US BANK for dispute claim : From : XXXX XXXX Sent : Thursday, XX/XX/2020 XXXX AM To : XXXX XXXX  < XXXX XXXX> Subject : Re : Additional questions XXXX, After speaking with Dr. XXXX and staff, I believe it would be mutually beneficial to terminate the physician/patient relationship between our office and yourself and that you locate a new physician for treatment. You may contact our front desk and we will issue you a full refund for the {$100.00} consult fee you paid to your original payment method. 
Sincerely, XXXX XXXX  Manager XXXX XXXX  XXXX ( XXXX ) XXXX I disputed the {$100.00} charge with US Bank on XX/XX/2020. US BANK issued {$100.00} provisionary credit and did not indicate that I would need to follow up with them, just explained that they would investigate dispute. 
On XX/XX/2020 US BANK to my surprise with no explanation reversed the {$100.00} provisionary credit. I called US BANK and spoke with a supervisor named XXXX who explained that I never provided completed form that they needed. I explained I never received any form to fill out. XXXX said he would send the form via US mail. I waited and the form never came. 
At this point on XX/XX/2020 I reached out to the dreaded XXXX at XXXX XXXX XXXX asking that she issue refund as promised because my dealings with US BANK were an awful runaround, dead end, nothing was being solved. XXXX said she would issue check if I removed negative review I posted about the XXXX XXXX XXXX. The check never came, she lied. 
I called US BANK again on XX/XX/2020 asking for the form, for ways to get my {$100.00} back and the rep told me my dispute had expired. I asked to speak with a supervisor and he said he would have one call me back. No one ever called. 
On XX/XX/2020 I called US BANK again asking for help with this dispute. I spoke with XXXX, a cardmember service rep and no resolution was provided, I am still owed {$100.00}, have not been given proper opportunity to provide proof that this dispute is valid.

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 2017-10-31
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: MD

Complaint:
On XXXX XXXX, 2017 I disputed the tax lien that equifax has been reporting on my credit file. Each time I dispute this item they say it has been verified but refused to provide me with the person name and number who verified this tax lien. I have a freeze on XXXX XXXX and the court house itself did not furnish any information to the credit bureaus. Equifax has claim on many occasions the furnished is the recorder of deeds, magistrate or municipal court. Which is all a violation of the XXXX to report false information and claim to get information from the court, when it is actually obtained from an unnamed 3rd party which can easily be considered false information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint:
This is in regard to a Navy Federal Credit Union account. I noticed that the bank in question has been garnishing federal benefits do to a unsettled debt. The funds in question were derived from federal student aid that is deposited into my account from the institution that I am attending, XXXX XXXX. The specific amounts were {$700.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. When I infomed Navy Federal about the mistake on their end in regard to garnishing federally protected benefits, the bank refused to refund my XXXX XXXX XXXX that had been deposited into my account and attempted to set my account on an automatic withdraw schedule in order to obtain a partial refund. This was the response from the representative of Navy Federal Credit Union that I spoke with on XX/XX/XXXX. I also informed the banking insitution that I could not setup an automatic withdraw schedule since I am currently not working due to a verified XXXX.

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 2023-06-25
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: TX

Complaint:
XXXX XXXX has wrong information no accounts have been opened on date XX/XX/2020 I have tried do dispute with no success this information is wrong I did not open any account with this date

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 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
I revisited my credit file and to my dismay, I see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you guys to perform a logical investigation on these accounts.

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 2021-11-12
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint:
I was applying for a refinance on my home in XX/XX/XXXX. During the process, I was alerted that a collection item for {$60.00} had shown up on my XXXX and XXXX credit report. The collection was tied to a agency named Transworld Systems and was apparently from a utility account with XXXX from XX/XX/XXXX. 

I am alleging that Transworld Systems did not provide me with notice prior to reporting it to the credit bureau. When i contacted them, they said they sent a letter on XX/XX/XXXX, but i never recieved it. Then they reported it exactly on XX/XX/XXXX without even giving me a phone call to alert me or ensuring I had recieved the written notice. 


XXXX has already deleted the information because it was inaccurate. However, Transworld is continuing to say it is verified and accurate to XXXX -- despite the fact that it is a disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint:
I opened an American Express Business Platinum Card on XX/XX/XXXX. At the time, there was a 50 % bonus on points redeemed for airline travel with my selected airline ( XXXX ). American Express does not have an online or phone system set up to redeem points at that rate, and I have had to spend hours on the phone more than a dozen times over the past year to get that redemption and bonus. In XXXX of XXXX, American Express announced they would be reducing the 50 % bonus to 35 % ( though I never was informed directly, I read online ). American Express then said ( again, not directly, had to read online ) they would grandfather in the 50 % for card members who signed up before XX/XX/XXXX for a  year. I called in during XXXX to inquire whether that 50 % bonus was from the time I opened the card ( XX/XX/XXXX ) or the time of the change from 35 % to 50 %, and I was told it was a year from the announcement ( XXXX of XXXX ). When I called XX/XX/XXXX to redeem the points and request the 50 % bonus, I was told it was grandfathered in from the open date of the card ( XX/XX/XXXX ) for a year ( so until XX/XX/XXXX ) and they would not honor the 50 % redemption.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
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: TX

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 requesting validation on the charge-off accounts being reported on my credit report. I requested to original signed contract and the payment history proving the account belongs to be and should truly be in collections. For the attached accounts, I have not received any documents for the attached accounts and the 30 day investigation window allowed by the FCRA has expired.

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 2021-03-28
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint:
Hi, I have been working to fix my credit for the past year running my reports with all three bureaus weekly. On XX/XX/XXXX an account appeared from a Midland credit management company. I contact them to inquire about this and was initially told they bought this account XX/XX/XXXX and that its an account opened in XXXX and they report to credit agencies within 90 days. I then asked them why they waited 13 months to report this and they would not provide me with an answer. Ive called repeatedly and they will not provide an answer. This is unfair business practices and it also caused me to lose a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint:
When they ask you to write in details about the complaint : I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via XXXX certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and XXXX reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : USAA SAVINGS BANK, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$770.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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: Larry H. Miller Group of Companies
State: WA

Complaint:
I received an auto loan from Rally Motor Credit who stop reporting my Car loan to the credit bureaus and now they merged with another company called XXXX XXXX. I have been calling them for a month and now they tell me they do not report car loans anymore which took my score. I have no credit score now yet I am up to dat on all of my payments and have been current with a balance and still pay for the auto loan yet they refuse to report to the credit bureaus. I need some help please as I am trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint:
I signed up for a XXXX XXXX card in XX/XX/2018 by clicking on a promotional banner on XXXX 's website stating that I would receive XXXX XXXX points. I signed up because of the promotion to earn XXXX reward points. I remember distinctly because I was in the middle of a hotel reservation that I had to redo because the application took so long and I called my best friend right after to brag because she had only received XXXX points. 

I spent over {$20000.00} on the card between XXXX and this month ( XX/XX/2018 ) only to find out that I would not get the XXXX points, but by some error, I was enrolled to only get two free nights ( up to XXXX points ). By another error, my two free nights were canceled, I was told in an attempt to give me the XXXX points instead. Chase then refused to reissue the free nights or to issue the XXXX points. Chase 's customer service team told me three different stories the three times I called to inquire about the points. 

I believe that Chase lied to me repeatedly to keep my business, they did not stand by their advertised promotion ( which was the only reason I enrolled and used the card ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint:
On XX/XX/XXXX, I wrote to Commonwealth Finance regarding an unknown account they are reporting on my credit under account number XXXX for a sum of {$1600.00} and mailed it by certified delivery via USPS.  Please see the attached letter descibing my situation and requesting validity of the account as I am experiencing issue with my personal identity and need to confirm the correct owner of this account. I have not to date received any response to my certified mail and have not witness the account deletion from my credit files. 

Furthermore, please see the attached documents stating that I had effective medical insurance from XXXX to present and I want this derogatively reporting account removed from my ( 3 ) credit bureau files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
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: FL

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2019-11-05
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: NY

Complaint:
AFTER CAREFUL REVIEW OF MY CREDIT REPORT I NOTICED THAT THERE WERE ACCOUNTS THAT WERE INACCURATELY PLACED ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I AM REQUESTING FOR THOSE ACCOUNTS TO BE REMOVED AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION. PLEASE INVESTIGATE AND HAVE THOSE DEROGATORIES REMOVE.

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 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: FIRST HORIZON BANK
State: NC
Tags: Servicemember

Complaint:
I bought a car in XX/XX/XXXX and was financed by Capitol Bank. Capital Bank sold the loan to XXXX XXXX XXXX in XX/XX/XXXX. They deferred my payments for 2 months and stopped reporting to the credit bureau. Capitol Bank never reported selling the loan to XXXX XXXX XXXX to the 3 reporting agencies. My car loan just disappeared from all 3 reporting agencies. I found out in XXXX of XXXX when I purchased a vehicle for my daughter and got hit with a high interest rate because my vehicle was not showing on my report. So the company says that the are manually putting in not only my payments bother other customer accounts that they purchased and will be doing bulk reporting. So they have not been reporting for over a year and since I brought it to their attention in XX/XX/XXXX they still have not fixed the problem. They said they do not know when it will be finished and as soon as it's done they will report all payments. In the meantime they sent me a transaction sheet in XX/XX/XXXX. I requested another on in XX/XX/XXXX and never got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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