hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-07-28
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: OneMain Finance Corporation
State: TX

Complaint:
I had a car financed with XXXX XXXX XXXX with my mother being a co-signer, eventually I refinanced through OneMain Financial which was on XX/XX/2019. They proceeded to have my mom go to their store and sign papers to get her off the title, so the loan could be in my name only. My mother came off the title and everything looked good, I had a new loan and was required to get GAP insurance by OneMain. In XXXX, the car was totaled due to a hit and run while the vehicle was parked on the street, at this time my mom had moved out of the country and no longer resides in the United States. I contacted XXXX and they said they were going to fix the vehicle, but after a lengthy time at the body shop the body shop claimed it as a total, but XXXX proceeded to try to get it fixed. Eventually XXXX considered it a total loss. I told OneMain about the accident as well and confirmed I had Gap Insurance. XXXX requested my mom to sign off on the odometer statement, which shouldn't have been in the process, because she was supposed to be taken out off the title by OneMain. My mother what out of country and hard to reach, so this process took around 2 months to get her the papers and for her to send them back. XXXX proceeded to contact OneMain and collaborate with them, but there was a mishap with OneMain where they moved offices, therefore the check that was issued was not received by OneMain. Now I have poor credit, job loss due to COVID and was recently turned down for a new vehicle due to OneMain financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Kriya Capital, LLC
State: FL
Tags: Older American

Complaint:
TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX, IM HAVING A PROBLEM WITH XXXX XXXX XXXX, BACK IN XXXX THE LOAN I HAD WITH THEM WAS PAYED OFF WITH XXXX XXXXXXXX XXXX XXXX, XXXX SAID I OWE THEM XXXX AND THEY PUT THAT ON MY CREDIT REPORTS, XXXX, XXXX, AND XXXX. I CALLED THE CREDIT UNION AND THEY SAID IT WAS PAYED OFF TOO THE COMPLETLY. IM VERY UPSET ABOUT THIS, THIS HAS REALLY MESSED UP MY CREDIT. I WOULD LIKE THE TO BE REMOVED FROM MY CREDIT FILES RIGHT AWAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint:
EQUIFAX HAS DELETED MY CONSUMER ACCOUNT AFTER NOTICE OF THE VIOLATIONS TO MY CONSUMER FRAUD INFORMATION BY EQUIFAX. EQUIFAX IS CONTINUING TO DISABLE MY ACCOUNT IN RETALIATION TO SUBMISSION OF COMPLAINTS AND NO ENFORCEMENT OR ACCOUNTABILITY IS BEING ENFORCED BY CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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: Experian Information Solutions Inc.
State: CA

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2019 30 DAY LATE, I ASKED THEM TO VALIDATE THE 30 DAY LATE, THEY FAILED TO SHOW PROFF, THERE IN CLEAR VIOLATION OF 609

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 2022-05-26
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: Sequium Asset Solutions, LLC
State: IL

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case SEQUIUM ASSET SOLUTIONS is attempting to collect as XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL
Tags: Servicemember

Complaint:
I received a letter advising that I had a past due balance on a victoria secret card that I did not have or use. I was advised that I purchased for almost XXXX dollars items that I did not make or receive because I am a XXXX patient. The debt was transferred to a XXXX XXXX XXXX named XXXX XXXX from Victoria secret. I advised them that I was in the hospital getting XXXX care and that I did not make these purchases and disputed it. They told me although it was disputed they provided proof of the debt and that I still owed. I wasnt able to offer my reason for disputing it and I am asking for your help in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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: Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint:
I purchased a XXXX from a breeder and used my credit card to pay in XXXX. The puppy started having ailments in XXXX and I reached out to the breeder. The store was closed. I even took a screenshot. I had to take the puppy to a vet in late XXXX and paid out my pocket. 
I reached out to Bank of America in XXXX and initiated a dispute. 
I advised I purchased a warranty and the breeder is closed. I realized XX/XX/XXXX that the credit was reversed. Being XXXX weekend, I had to wait till today to call Bank of America. They advised the breeder responded and that because they did not receive a letter of 2nd opinion from me, the dispute was in favor of the merchant. I advised them I could not get a 2nd opinion as the initial vet treated her. I mailed them the invoice specifying the ailments with a prepaid envelope they sent me. At this point, my dispute is that the dog was ill and the breeder was closed, they never called me. 2nd opinion does not matter at this point.

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 2022-09-19
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint:
I have recieved information about an account which I do not agree. This account is reporting inaccurate information to the credit bureaus in which is total wrong. I was charged {$2800.00} from XXXX XXXX XXXX back in XXXX. I do not understand why this account is in collections with Hunter Warfield because I do not owe that amount. I feel that I am being charged for items out of my control. I have tried to reach out to the company to get information on why they are stating I owe this amount, but I have not received an itemized list or proof of why. 

I started disputed this account back in XX/XX/XXXX, for reporting inaccurate information on my credit report and I am getting computer generated information which does not provide proof of the original debt from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Product: Student loan 
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MI

Complaint:
I have a Navient student loan in repayment and I was trying to pay off the remaining balance of my loan. I had researched on their website that a credit card payment can be made for the amount due over the phone. I always pay more than the amount due, and was planning on paying off the loan with my no interest credit card. I called customer service and they explained I can only make the minimum payment with a credit card, nothing more. I explained this does n't make sense. I can pay every month with a credit card but can not pay off the loan? What kind of policy is that? They would rather charge me their interest every month, where I can still use my credit card to make the payments, rather than pay them all their money at once. That is bad business and nickel & dimeing the consumer. They tried to tell me it was because that a credit card is another form of debt, but if I can make monthly payments with that very same credit card, please explain the difference?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: NC

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 2022-10-05
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: Byrider Franchising, LLC
State: MI

Complaint:
Never updates payment history. Showing balance when the account has been paid in full. Reports to credit a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc.
State: NJ

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit 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 2017-09-28
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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX

All Inquires were submitted without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: TD BANK US HOLDING COMPANY
State: NJ

Complaint:
There is this account that does not belong to me and ai want it to be remove from my credit report. 

1. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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: CORELOGIC INC
State: PA

Complaint:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from CoreLogic Credco on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. CoreLogic Credco violated federal law. see 15 USC 1681b A2. I did not give CoreLogic Credco Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

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 2018-01-08
Product: Checking or savings account 
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint:
By all appearances, on XX/XX/XXXX, my sister, XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) accessed several of my mother 's ( XXXX XXXX XXXX ) TIAA investment accounts on line and changed the beneficiary designations on several accounts to make herself the primary beneficiary. 
My mother was legally XXXX at the time, being in late stage XXXX XXXX. XXXX was her legal guardian of person. 
The beneficiary designations that had been set by my mother would have split these assets, valued at about {$130000.00} in total, five ways. Each of XXXX 's siblings were to receive a one-fifth. My mother XXXX XXXX on XX/XX/XXXX, and shortly thereafter, TIAA transferred the money to XXXX. 
I have been trying to resolve this situation both as a civil and a criminal matter, but my primary contention is that TIAA ought to have reported this to both federal and state law enforcement officials. TIAA evidently has not, seeing that this much time has passed, and law enforcement officials have not interviewed any of the victims of this crime. 
Nor have law enforcement officials contacted XXXX XXXX XXXX, who is the administrator of my mother 's estate, who reported it to XXXX XXXX at TIAA, as early as XX/XX/XXXX. 
Together with my other XXXX siblings, we have been defrauded of about {$100000.00}, and I would like to know if TIAA is legally obligated to report to law enforcement authorities in such an instance. If so, why has the institution failed to do so, and, especially, why does the institution refuse to update the victims on the status of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY 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 2020-07-07
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: National Enterprise Systems, Inc.
State: TX

Complaint:
I keep receiving calls when Im at work and they also threaten me to call my employer and to verify I was at work. What kind of business is that? They call me during my work hours and threaten me to sue me, also that they will freeze my bank accounts and collect my wages.

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 2019-07-03
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: Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint:
I have made a reservation with XXXX for one day stay at The XXXX XXXX XXXX XXXX   that I later needed to cancel. Upon cancellation I have received an email from XXXX stating that if my cancellation occurred less than 5 days prior to arrival I would be charged {$160.00}. Instead of the correct amount The XXXX XXXX charged my Chase card {$460.00}. I disputed the charges with Chase and a month later received a USPS letter stating that my dispute has been closed and transaction was determined to be valid. I called chase and was told that The XXXX XXXX has submitted printouts from a website I have never seen stating what their cancellation charges would be. I insisted in reopening the dispute and once again, submitted a cancellation email from XXXX stating that my cancellation fees would be {$160.00}. A month passed by again and I once again received a USPS letter stating that my dispute was denied. This happened several times without any explanation of any kind. Chase kept saying that The XXXX XXXX submitted a web site printout and was not paying attention to anything I was sending in. When I received a third denial letter dated XX/XX/19 I called Chase again and was told that even thou they now do see that my cancellation fee should have been {$160.00} and not {$460.00} there is nothing they can do because my dispute time frame has passed and hence charge is deemed to be valid. 
I feel that since I filed the dispute within the allowed time frame and provided all support documentation I should not be paying for Chase incompetence and refusal to even look at the documentation I was sending in. 
Chase caused time to lapse, not me. I provided all documentation since the day I filed the dispute. Why am I responsible for incorrect charges that Chase failed to properly dispute with a merchant?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
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: TX

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXXXXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: GOLDMAN SACHS BANK USA
State: CA

Complaint:
One year ago, I fulfilled my financial obligation to Goldman Sachs Bank by satisfying the balance on my remaining credit, which exceeded one thousand dollars, and closing my account. The bank representative assured me that my credit card was fully paid off and that my account was closed. Despite this, I was surprised to find that my credit report displayed a derogatory mark for the account which had been closed for some time, indicating a fee that was not meant to have been applied to a closed account. This has had significant and far-reaching consequences, hindering my ability to secure a new apartment and obtain employment, and even restricting my access to financial services such as car loans. Goldman Sachs Bank has severely impacted my life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint:
in the month of XX/XX/2018 submitted documentation as proof i do not owe collection in the amount of $ XXXXIt has been nearly 3 months since the company agreed to remove collection and negative charge off continues to show as of today. I wish for this to be removed as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NC

Complaint:
In addition to the effects of the pandemic : My income reduced to {$12000.00} per year. 
I am permanently XXXX due to XXXX XXXX ( XXXX  ) and XXXX. 
My husband is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ). 
My biggest hardship is medical bills and medical mileage ( XXXX miles in 2022 so far ). 

Synchrony Bank filed charge-offs on five accounts XXXX days after the last payment. I have filed several disputes with XXXX stating the above hardships. They refused my requests. XXXX suggested that I speak with them directly in which I did. They still refused. After speaking with them regarding the dates of the payments versus the charge-off dates, I was locked out of the accounts. 

I have asked that the charge-offs are removed from my credit report not only for early charge-off, but with the assistance of the XXXX XXXX as well. 

I can not pay these debts and won't be able to in the future for the above-mentioned reasons. I also need my credit in good standing to avoid future hardship getting a car or housing when needed. 

Please help me! I have proof my the last payment dates for all five 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 explanation