hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint:
They have ignored my request to provided me with the documents that they have in there files that they used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Accounts Navient XXXX XXXX XXXX XXXX XXXX XXXX ( {$13000.00} ) XXXX ( {$47000.00} ) XXXX ( {$20000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX 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 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 U S DEPARTMENT OF ED ACCT NUMBER XXXX XXXX XXXX XXXX XXXX, NY XXXX US DEPARTMENT OF ED ACCT NUMBER XXXX XXXX XXXX XXXX XXXX, NY XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: MO
Tags: Servicemember

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a account under open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
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 2020-11-19
Product: Credit card or prepaid card 
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: MN

Complaint:
I applied for unemployment and was denied so I appealed and won. I was getting back pay for a lot of unemployment. I received my unemployment benefits on XX/XX/2020 I still had not received my card. I ordered a new card to be expedited never received that card either. I waited a while cuz they kept telling me 7 to 10 business days ... Well someone received my card activated it set up an online account with it and began spending my money. I called reliacard and filed my claim. They denied my claim because who ever stole my card uses the same stores as me which isn't hard to believe we live in a very small town.. il

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 2021-02-25
Product: Debt collection 
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: Penn Credit Corporation
State: TX

Complaint:
I'm receiving debt collection calls to my work phone from a debt collector I do not know. It's Penn Credit Corporation and the number on my work caller ID is XXXX. 

I'm in a open area at my office and I don't want to be heard talking to a debt collection company, let alone one I don't even know. 

I receive about 2 to 3 calls a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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: GA

Complaint:
Reporting agencies are failing over and over and over to remove fraudulent attempts to apply for credit because of a Security breach at XXXX XXXX XXXX in 2013, due to this identity theft. Despite my efforts of disputing this matter the federal court case remains as a public record on my credit.

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 2021-09-17
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: VA

Complaint:
Transunion is reporting inaccurate information constantly. My credit card usage is based on 1 card even though I have 3 reported with them. The accounts that are reported are delayed. I have heard they purposely do this and it really noticeable in 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 explanation
Consumer complaint received 2023-09-17
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint:
I opened Regions personal checking XXXX account as part of the promotion. Setup initial deposit also. But I am not able to access the account online. I had an old profile but even using that I can not access it. 
For this I called Regions bank customer service on XXXX XX/XX/2023. I was told by the lady that may be try after 24 hours. Well it's not working even after 24 hours also. 

As part of this promotion- one has to be have online access. 

When trying to enroll for online access, I am getting this kind of error : We apologize for the inconvenience, however we are unable to process your request at this time ( XXXX ). 
Please contact Regions XXXX XXXX at XXXX ( XXXX ) for further assistance.

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 2017-12-06
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint:
On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( XXXX and Experian ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX  has been very successful and very helpful in removing the same EXACT accounts that XXXX and Experian failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.

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 2023-03-16
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: Experian Information Solutions Inc.
State: FL

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 non-monetary relief
Consumer complaint received 2023-05-14
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: Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Product: Checking or savings account 
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint:
My card was lost on XX/XX/2020 I made a claim after realizing my business bank account and savings were cleaned out and left with a high negative balanced. 

Bank of America took my paycheck deposits, my regular deposits as well as my {$1200.00} stimulus check and ignored my claim as well as my affidavit submitted to them. 

Bank of America closed my account and will not restore the credits taken from my account since XX/XX/2020 nor will allow me to withdraw my remaining balance which is over {$2000.00}. 

This denial has caused hardship especially in the social climate of covid-19. I lost my job because I could not access my account to pay for gas. Food supply in my home is low. 

It has been over two months now and this is highly unlawful. I will go to the news about this.

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 2019-11-06
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint:
I periodically have to have my university file paperwork with Fedloan servicing to prove Im taking graduate courses and am eligible for loans deferment. While I understand they need proof, in the time it takes them to process the request, my loans accrue interest that I have to pay and they dont reverse it, even if they were informed of my classes starting at an earlier date. Most recently, however, after my school filed the paperwork, they placed my subsidized loans into forbearance when they should be in deferment. Theyre illegally charging me interest on my loans. Their customer service and response times are HORRIBLE. I feel helpless when dealing with them and they know theres nothing I can do about it. Its easier to just pay the interest but its infuriating to know they get away with this. I can only imagine how much they profit off of illegally collecting interest when individuals like me are eligible to not pay interest. They really need to be investigated and held accountable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Product: Debt collection 
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint:
XXXX XXXX  not only contacted associates that had nothing to do with my account, they disclosed information to the third party in regards to the debt. It was embarrassing, deceptive, intimidating. I asked XXXX XXXX to cease all calls, and I also informed them I want only written communication. They still call me! Even after I informed no more calls. This company should not be in business disclosing an individuals personal business matters to third parties and repeated calls after DNC

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 2021-03-14
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: BARCLAYS BANK DELAWARE
State: CO

Complaint:
I have never applied for credit with Barclays Bank. I was in XXXX XXXX  in 2016. I would never qualify for credit. I do not have any or applied for any credit at my age. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.

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 2023-06-29
Product: Checking or savings account 
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA
Tags: Older American, Servicemember

Complaint:
On XX/XX/23, I received an e-mail stating that XXXX XXXX was charging my account for {$290.00}. I responded by email but it did not go through, so I called the number in the email to tell them that I didn't want their service. The man who answered said he was reversing the charge. 

Almost immediately after I hung up, a man calling himself XXXX XXXX called and claimed to be from XXXX XXXX XXXX  XXXX XXXX XXXX. He told me that I had been scammed by XXXX and my credit card had two fraudulent charges on it. He told me to protect my bank account from cyber fraud I needed to open an account with XXXX XXXX XXXX and wire my savings into it. He told me Citibank is being hacked so I had to hurry before fraudsters took it all. He said XXXX was a safe wallet to hold my money until I opened an account at a different bank. 

I opened an account with XXXX and XXXX XXXX sent me an email with instructions for completing the wire transfer from Citibank. I went to my Citibank branch and was assisted by XXXX XXXX. I made a wire transfer of {$50000.00} to a XXXX bank account XXXX XXXX claimed was owned by XXXX. 

Later I was concerned and looked up the phone numbers for the man calling himself XXXX XXXX. I was not able to verify they belonged to him, so I contacted XXXX to ask if he was one of their agents. I received an email verifying that he worked for cyber fraud investigations and was legit. The email had XXXX logo in it, but I didnt realize at the time that it came from a XXXX address. I was then told my XXXX account had been locked and I could not transfer money in or out of it. The scammers were somehow able to access the funds and withdrew them from the XXXX account. 

The next day, I went to Citibank and asked them to reverse the wire transfer. They did an investigation and two months later stated that XXXX wouldn't return the money, so it was my loss to bear. 

I am a XXXX XXXX and I have been banking at Citibank for about 20 years. Despite the fact that this transaction involved a very large amount of money and I had no history whatsoever of such transactions, neither XXXX XXXX nor anyone else at the Citibank branch asked me any questions during the face-to-face interaction to screen for or warn me that I might be a victim of a scam. I am informed that this type of scam is very common, and it would have taken only seconds for a Citibank employee to ask a few questions and provide me enough information to help me to realize that I was being victimized. Instead, Citibank collected the {$35.00} wire transfer fee, sent the money out of my account, and provided no assistance in recovering 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 monetary relief
Consumer complaint received 2018-05-31
Product: Debt collection 
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: Messerli & Kramer P.A.
State: WI
Tags: Servicemember

Complaint:
Company has left multiple VM identifying themselves as debt collectors looking for my wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$12000.00}

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 2017-11-16
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint:
This issue with Bank of America and XXXX. 

On XX/XX/XXXX and XX/XX/XXXX transactions were made in error via XXXX to the wrong person. 

BOA and XXXX were contacted on XX/XX/XXXX about the error. Both pointed at each other about how to resolve. On XX/XX/XXXXspoke with an agent in the Move Money Dept of Bank of America. Who provided me a claim # and stated it would take 10 days to investigate. On multiple occasions, I have contacted the bank of the error and no one has a process to rectified a human error. I received confirmation today that they are closing the claim and not issuing my funds back into my account. I have email confirmation that this was done in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: The Receivable Management Services LLC
State: PA

Complaint:
Receivable Management Systems sent me a statement saying that I owe XXXX XXXX XXXX but I do not. I have a XXXX  dollar balance with 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