hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-12-17
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: HW Holding, Inc
State: NJ

Complaint:
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
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: SYNCHRONY FINANCIAL
State: FL

Complaint:
On XXXX. XXXX, 2019, XXXX XXXX   XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, SYNCB/WALMART PLCC add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, SYNCB/PAYPAL add a hard inquiry on my credit report per 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 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint:
I have filed multiple disputes with Equifax along with copies of my identity theft report, proof of where I have lived for 4.5 years on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 and they still continue to say I am responsible for a debt that is on my credit report even though again, I have told them and given them documentations that show that I am a victim of fraud. The amount of the fraud is for {$6200.00} with XXXX XXXX via XXXX XXXX XXXX XXXX who is also not giving me proper documentation so that I can have this fraudulent account removed from my credit report. The proof I have given them should be plenty sufficient to prove that I am not the one who rented this apartment and that I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
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: GA
Tags: Servicemember

Complaint:
o whom it may concern : The credit bureaus are once again violating my FCRA rights specifically 15 USC 1681 ( 5 ). According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I previously asked Experian, XXXX, and XXXX to verify an account being reported on my credit report as 30 days late, and all 3 bureaus quickly responded that the account was verified as accurate, but that account was never verified nor accurate. I even doubt any proper investigation was done at all. The reason why I am saying that is the account is XXXX  or XXXX, but the account number is XXXX on XXXX XXXX on Experian XXXX and on XXXX Account # : XXXX XXXX XXXX Are not correct completed numbers. Xs arent any acknowledged numbers used by any known banking institutes to establish any banking accounts nor routing numbers, there for its not correctly verified to be accurate, and According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

Look at the last dates updated on the reports, look at the balances, payments, etc all inconsistent, how is this verified as accurate? Come on now they keep resending the same automated results back instead of actually properly doing investigations and actually doing the work they are supposed to be doing. The time wasting is not appreciated, I am very saddened to keep having to play along with the games these bureaus are playing. This have been emotionally, and mentally draining. 

Lastly I even feel like my credit score is tempered with. Different sites give me different credit scores which really dont make sense. Everything can not be verified as accurate as is. Someone must be held accountable, something seriously must be done.

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 2018-07-06
Product: Debt collection 
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Tags: Servicemember

Complaint:
We currently have a Loan Forebearance with Rushmore Mortgage which was established via the Loss Mitigation Department through XXXX Mortgage and they are constantly harassing us on a monthly basis by continually sending a Loss Mitigation Packet! We have already been approved for Loss Mitigation and I have also spoken to the PoC in XX/XX/XXXX regarding our Forebearance which she finally acknowledged goes through XX/XX/XXXX. Therefore, we should not constantly receive a Loss Mitigation Packet Every Month! We should only receive the statement of account regarding monthly balance owed to ensure we have the same accounting/reconciliation of account. We also should not be receiving Notices Placed on our Front Door from Rushmore Mortgage Servicing, since we are currently in a Valid And Approved Loan Forebearance Agreement! Pleases stop harrassing us as if we have done nothing to remedy our Mortgage Account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Product: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: Northern Service Bureau, Escanaba Inc.
State: MI

Complaint:
None of the options offered on the last page matched my problem. First of all I never once received a written notice of this debt before it was reported to the credit bureaus. Northern Services bureau agreed to remove my delinquency completely from my credit report if I paid there settlement amount in full by XX/XX/2020. I did pay the full amount of the agreed upon settlement amount of {$620.00} before or on that date. After I paid the full payment they didn't remove the items from my credit report and instead added more individual paid debts from the past to my credit report out of nowhere. They lied or distorted the truth of our agreement. This has been a significant burden to me during a worldwide pandemic. When I contacted them they would not resolve anything without me giving them my new phone number but I refused. We resolved the original agreement over email. There is no reason they can't do this over email as well. They have decided to destroy my credit during the middle of a pandemic instead of just sending a written bill before going to the credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc.
State: CA

Complaint:
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Please BLOCK this account from credit report 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 2. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please BLOCK this account from credit report 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 3. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 4. ID TXXXX XXXX XXXX XXXX Account XXXX : XXXX Please BLOCK this account from credit report 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 5.XXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint:
I was never notified that I was a part of the class action law suit and I know I should be a part of it. I had an acccount in that time frame.

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 2021-04-03
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: NCB Management Services Inc.
State: TX

Complaint:
In XXXX around XXXX, the pandemic began economic hardship so I checked on my loan to confirm it was done. XXXX confirmed no loan due and in good standing. Few months later XXXX contacted me about an outstanding balance and said if I only paid {$100.00} via phone they would waive balance. I asked if they were sure because account was cleared. I paid over phone. On XX/XX/XXXX I began receiving calls from a company named NCB and XXXX XXXX informed me that it had purchased debt from XXXX. I briefed him but had to let him go due to family deaths. A second call came but voice mail from NCB. Then XX/XX/XXXX XXXX XXXX of NCB Management Service called me about an alleged balance due of {$1700.00}. Informed her of facts and said I would complain to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint:
On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.

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 2020-12-02
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: Sunlight Financial LLC
State: NV

Complaint:
ON XX/XX/2020 i had a conversation with Sunlight Financial Services. They claimed since i already had existing credit with them that i would be approved. So while extending and adding to my solar system on my home currently they asked to run my credit due to a name correction and nationality correction. After they got my information they then said due to their standards they couldn't not give me a line of credit that i already have with them and ran my credit number or score down. They new this before it was ran because I've been emailing them information and calling them asking questions. They have discriminated against my nationality. Based upon that i age of majority and fully competent they wanted to lower my score making it difficult to get credit. They also saw my identification and used me wearing a Turban to make their decision when before they saw that photo they been doing business with me for two years. They have also placed an illegal lien XXXX XXXX on my property and have never mailed me a copy nor email me a copy.

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 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Tags: Servicemember

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-21
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: CO
Tags: Older American

Complaint:
No contract with XXXX  No contract with the third party Collection Agency Sunrise Credit Service XXXX XXXX XXXX XXXX XXXX NY XXXX Ph XXXX XXXX XXXX I did not open an account with them ... period

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 2022-07-31
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: FL

Complaint:
Transunion I have communicated with the credit bureau on the behalf of CFPB. I have remained patient in efforts of correcting the accuracy of my credit profile. 

I found inaccurate authorization of inquiries on my report that I want to remove from my credit report 1.XXXX ( Finance ) 2.XXXX XXXX XXXX XXXX ( FINANCE XXXX 3XXXX ( FINANCE ) Also I need a conformation that are no freezes or alerts that on my credit profile

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 2023-09-07
Product: Credit reporting 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: CA
Tags: Older American

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

List of Fraudulent Inquiries : 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 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 2023-08-30
Product: Credit reporting 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: NC

Complaint:
Credit bureaus are reporting an account incorrectly. I've disputed account with them ; I keep getting automated responses saying that the account was verified as accurate. 

I've contacted the furnisher, and they informed me that they are no longer reporting it as the account is closed and paid. 

XXXX removed the account due to no response. XXXX and Transunion claim that they are getting responses but their credit reports suggest that reporting has stopped. 

How can something be verified as accurate if the company is no longer reporting to the account, and the account is no longer open? XXXX and Transunion, aren't investigating disputes. They are merely verifying user information such as name and address. 

It is an FCRA violation to report inaccurate information. It is also a violation to ignore consumer dispute requests. Penalties for FCRA violations are up to $ XXXX per violation. 

With the help of CFPB, I would like to start or join a class action lawsuit in regard to this behavior.

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 2020-04-30
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint:
Approximately two weeks ago, the balance in my Total Checking Account temporarily fell below {$1500.00} to around {$1400.00}. Within two days, I had replenished the account such that the average daily balance was still well above the {$1500.00} limit. To my horror, despite a global pandemic and severe financial distress around the world, Chase still charged me a {$12.00} service fee. I want that fee refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments
Company: American Credit Acceptance, LLC
State: OR
Tags: Servicemember

Complaint:
While I was sick with XXXX, ACA choose to take my vehicle and leave me without a way to get around. i WAS quoted a price to get my vehicle back. I worked as hard as I cold to get the money and I finally came up with enough to get my car back. I sent them the money as requested and was under the impression that the amount i paid included ALL FEES. I them made an arrangement to pick up my vehicle and I was told, per the finance company, that I had to pay XXXX dollars in fees to get my vehicle back. Ii feel that after all the hoops that ACA made me jump through and all the anxiety and given what is going on, that they would be able to waive the fees and help. I wane through enough and I feel like they are taking advantage of a global pandemic. They knew I had XXXX twice and had a very hard time. I paid what i needed to, why are they making more hoops to go through. This should not be allowed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: National Credit Systems,Inc.
State: TX
Tags: Servicemember

Complaint:
I have lived at the same address for 3 years, yet, someone has a lease in my name. National Credit systems is  attempting to collect on this fraudulent debt.

Company response to consumer: Closed with explanation