hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2018-08-06
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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint:
I opened my Amex business platinum and personal platinum card end of XXXX. All was going well, I received my XXXX sign up points, as I hit the correct threshold and earned them. 
Amex on XX/XX/XXXX sent me an email saying they are taking away XXXX points. I called and they said bed. I downgraded within 6 months I lose them. AN Absolutely MADE UP TERM. Was not written anything close to that in my terms!!!! 
They changed terms for new card Applicants in early XX/XX/2018 but that is 45 days after my terms were already in place!!!! 
They are no help on the phone Apologizing for the mistake and saying there is nothing they could do ... ... 
They stole my XXXX sign up bonus points between both accounts!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint:
I went to CapitalOne 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back later on to complete my payment. now im seeing on my report multiple payments missing. with paperless statements issues with the website i cant see how this companys can continue to make mistakes with no reproductions. ive even been asking for an combination of my accounts to have a single credit line, with there being no real explanation as to when it will happen or why im having issues in the first place. im asking again for the removal of all missing payments on my account along with a merger of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: GA

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. The inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
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: GA

Complaint:
Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, Experian and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.

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 2018-06-23
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint:
I have had my checking account for over 10 years. Its a maintenance free account. For the past 3 months Suntrust started Mysteriously charging me a maintenance fee of XXXX dollars. 

When I complained about it they refunded the money but then the next month they did the same thing. 



XX/XX/XXXX {$10.00} FEE XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} Fee XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} FEE In the 10 years of this account I have never signed up for any maintenance service and don't want any now. Suntrust owes me a refund for XX/XX/XXXX and I want them to stop this cycle of Fee/refunds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
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: Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint:
I have spent too much time disputing erroneous information on my credit and the bureaus have not had the responsibility to respond to me.

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 2022-09-25
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: NY

Complaint:
please investigate the following accounts properly, multiple errors and discrepancies from previous reports. 
multiple occasions when the accounts information were incorrect and had to be updated. 


accounts with multiple incorrect payment history In accordance with the fair credit reporting act XXXX  accounts of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights [ 15 U.S.C. 1681 ] section 602 A Congressional findings and statement regarding respect for the consumer 's right to privacy. [ 15 U.S.C. 1681 ] section 604 A section 2 : Any consumer reporting agency can't furnish a consumer report without the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX violated the law US CODE TITLE 15 U.S. Code 1681i, account had discrepancies and incorrect information for the following accounts : XXXX XXXX : account number ending with XXXX. Account had incorrect following information that were updated with last investigation : scheduled payment, terms duration, activity designator, and account history. Changed the late payment date from XXXX to 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 2023-04-26
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: ENOVA INTERNATIONAL, INC.
State: OH

Complaint:
There is a inquiry that I do not know about on XX/XX/2023 I never applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Product: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL

Complaint:
I sent Merchants Adjustment Service a debt validation letter XX/XX/2022 I have proof of a return recite. So I waited until XX/XX/XXXX to call them and ask them where are the validation of this debt I need proof they avoid sending me it. Then I call back and spoke to a male representative and ask them again about this debt validation letter and he said that they sent it out on the XXXX but I never received this. So he advised that he will send it to my email I gave him my email address and he said it will be sent out before the day end I waited and never received the validation and I also check my spam box to make sure it didnt went to spam. Its a violation of the collection practices act for a debt collector to refuse to send me a validation notice or fail to respond to my validation letter. The law is very clear as to the Civil liability and the remedy available to me for negligent XXXX XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. From the date I sent the debt validation letter which is XX/XX/2022 I gave XXXX 30 days to send me validation documentation thats this account is mines if I dont receive anything as In proof of what I listed in the debt validation letter from Merchants Adjustment Service by XXXX XXXX please remove this account from my credit report immediately and dont say you sent it out because I didnt receive it if you sent this out please provide a certified recited with the date that the male representative told me it was sent out which is the XXXX please show me proof of you cant show me proof Im asking that you delete this account from my credit report Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint:
This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX  XXXX Balance : {$8100.00} ; 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
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: EQUIFAX, INC.
State: TX

Complaint:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX   XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: MD

Complaint:
THESE INQUIRES WERE NOT MADE BY ME AND I HAVE SENT THEN SIGNFICANT AMOUNT OF PAPER WORK AND THEY REFUSE TO DELETE THESE ACCOUNTS. 


Hard Inquires Listed : 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 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 2023-05-11
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: MD

Complaint:
Now that my loan was transferred, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields would need to be updated.

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 2023-02-17
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: Experian Information Solutions Inc.
State: GA
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 explanation
Consumer complaint received 2019-04-13
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled
Company: AES/PHEAA
State: NC
Tags: Servicemember

Complaint:
I consolidated my federal student loans in XX/XX/XXXX and have been working in public service ever since. There has been several times when the loan services has placed my account in a deferment status, without my knowledge or consent. 

I requested that the deferment be removed from my account in XX/XX/XXXX and was informed by my loan services that it was and that I was in a payment status. 

The only reason I had requested to have my loans placed in a deferment status ( for XX/XX/XXXX-XX/XX/XXXX ), was  because I was in XXXX Basic ( XXXX XXXX ) and could not call to facilitate my loan payment setup within that initial 8 week period. 

I was told that the account deferment was stopped, only later to find out that the services had failed to stop the deferment. 

I have been working in public service for nearly 11 years and request to receive credit for ALL time/payments that were made in XX/XX/XXXX. 

Thank you for your assistance in addressing this matter ; please contact me if additional information and/or clarification is needed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Product: Debt collection 
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint:
The collection company calls multiple times a day. They have now started blocking their number in order to trick me into answering the phone. Just the last couple weeks here is a call list. This has been going on for longer than 6 months. I have asked them repeatedly to stop blocking their number as well. 
XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
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: WELLS FARGO & COMPANY
State: CO

Complaint:
Im was a XXXX XXXX with XXXX, l was introduce to XXXX currency trading last year with XXXX, since both are well trusted exchanges i thought my money was safe, after I open an account with XXXX, a group of XXXX currency traders approached me via XXXX, they claimed to have an exchange where you could learn to trade on daily basis XXXX and render profits with their data advice and guidance, I thought they were a serious trustable group since they got my info from XXXX. 
The platform was fake and theyre a group of very sophisticated skilled people who scammed into deposit my hard earn savings to their platform under the false assumption I was doing honest day trading The platform is XXXX The money travel from my checking account from Wells Fargo to XXXX and into their fake XXXX address The money was lost and I need someone who can help me retrieve my money. 
Again the transactions were made willingly, thats the mere definition of a scam and Wells Fargo refused to refund the funds because they were authorized transactions, but they can verified the money travel to a scammers 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 2022-10-27
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: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Tags: Older American

Complaint:
I am habitually ignored by Fifth Third Bank ( address : XXXX XXXX XXXX. XXXX, XXXX, OH ) employees no matter when I call or what the subject matter is. I have been calling XXXX XXXX ( phone # : XXXX ) XXXX, apparently in the office of the President of Fifth Third bank to report to her XXXX ) changes in my monthly mortgage premiums due to changes in my home owner ins policy ; XXXX ) the fact Fifth Third reported me and my financial status to XXXX as being effected by Hurricane IAN which is incorrect. I continue to pay my mortgage monthly and do not want this notation on my credit report. 

She may believe it is more appropriate I call Customer Service but particularly because when I do that NO ONE calls me back, or their customer service skills are so bad I literally cringe when I speak with them, and because she has also evidenced this behaviour by not calling me back herself. I put a XXXX  call into her today and I am sure I will not hear from her. Based on the overall pandemic situation, which lingers and the unrest everywhere, I am not trusting of very much. And when I ask a specfic person to CALL ME BACK XXXX TIMES I EXPECT A RESPONSE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint:
In XX/XX/XXXX I authorized my parents to use my Citibank credit card to buy scooter chair for {$5300.00}. When I later saw charge on statement didnt recognize charge and reported as fraud. Citi credited my card and issues a new one. By the time I realized the mistake my mom had already been reimbursed and contacted vendor and paid for the scooter in full. Because I had wrongly reported charge as fraud I called Citi as a courtesy to tell them it was a mistake not a fraud and I had paid with another card. For some reason Citi arbitrarily charged my card again. For six months I have been calling Citibank trying to resolve. I even called the vendor and they sent me proof that the had credited my account because there records did show a double payment. I sent that proof to Citi on XX/XX/XXXX. Yesterday after 2 hours and 32 minutes on the phone with Citicard I was informed that they have closed the case and are done with it. ( I can document at least 12 phone calls which exceeded 6 hours in total ) When I demanded to talk to a supervisor they hung up on me. In short Citi wrongly charged my card, received refund from vendor and is now saying they didnt receive it and I must pay.

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 2021-11-03
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint:
south west credit systems is reporting derogatory on my credit file. debt was paid to XXXX on XX/XX/2021 {$210.00}. confirmation number XXXX south west credit systems is irresponsible, incompetent or fraudulent. 

XXXX reports to me I don't owe them anything

Company response to consumer: Closed with explanation