hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-03-09
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: PA

Complaint:
Hello, thank you for your assistance. 

Issue : I didn't receive advertised or promotional terms on AMEX Blue Cash Preferred card. Also, reporting that the offer was misleading advertising about the credit card ( terms weren't clear, couldn't find important information on the online approval process ) ( 1 ) I applied online at XXXX for AMEX Blue Cash Preferred : 0 % for 12 months, {$250.00} Bonus after {$1000.00} spent in 3mos time. AMEX card approved me online immediately on XX/XX/XXXX. ( 2 ) I called a representative around XX/XX/XXXX to inquire about the {$95.00} membership fee charged. We talked about the card 's fee ; We talked about the 0 % for 12 months, {$250.00} Bonus during that conversation. I decided to keep the card and not reapply for the Blue cash card that offered a {$150.00} bonus, 0 % for 12 months with no membership fee of {$95.00} : the monies earned would work out to nearly the same amount taking into consideration the bonus amounts and the membership fee. ( 3 ) I put the card on autopay and waited for the usual time for the bonus to record. ( 4 ) To my chagrin, I saw interest charged and have been trying to resolve with AMEX repeatedly with no resolution. ( 5 ) The representatives said there was a pop up online stating I wouldn't get the promo offer. I saw, APPROVAL, I didn't see anything saying not approved for promotion. I'm very savvy using promotional offers and I've never had this happen : BAIT and SWITCH. In addition, AMEX did not send a letter notifying me I wasn't approved for the promotion. ( 6 ) The interest rate AMEX is charging me is a whopping 25.74 %!!!! I would never knowingly agree to that interest rate. ( 7 ) After the original call, I've spoken to a total of 5 representatives including managers. Each time escalated. No resolution. Lastly on XX/XX/XXXX, I was promised a call back from an authority that could assist. No call back. 

Here 's a list of attempts to resolve issue : 1. Approx XX/XX/XXXX - inquired about card details. 
2. XX/XX/XXXX - Inquired about my promotion and reported interest charged instead of 0 %. Rep said to call back to follow up. 
3. XX/XX/XXXX - Followed up and spoke to XXXX, XXXX and, manager, XXXX who forwarded my issue to a resolution department. Mentioned at least a 2 week process at minimum up to 90 days. 
4. XX/XX/XXXX - Followed up again and spoke to XXXX and then escalated to, supervisor, XXXX. At that point, I was to be given to a higher authority to call me within 48hrs. No attempt was made. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc.
State: CT

Complaint:
Your investigation did not fix error in my credit file. I have informed you already that my report contains accounts that results of identity theft. Please do you reinvestigation and notified me of the result. After your investigation and corrections I want an updated credit report that negative items removed and deleted from my file.

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 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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. I have attached the necessary documents to support my claim.

Company response to consumer: In progress
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint:
Old information on my Equifax credit report that was removed is reappearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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: EQUIFAX, INC.
State: NC

Complaint:
Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
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: AZ
Tags: Servicemember

Complaint:
My XXXX XXXX XXXX credit card # : XXXX, XXXX XXXX credit card # : XXXX, and XXXX XXXX XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and all the charges/transactions on the accounts are fraudulent and unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA
Tags: Older American

Complaint:
My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

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 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint:
Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted 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 2022-04-27
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: TX
Tags: Older American

Complaint:
As quick as I can request a copy of the permissible permission from XX/XX/2017 and complain about Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did not have permissible permission to access my credit report, XXXX labels as a duplicate while Experian tries to act like our government by shuffling paper. Shame on whoever is reading this for being a low paid pawn of a large company. Treat others the way you want to be treated.

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 2023-01-18
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: TX

Complaint:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the corrections and or deletion of these items.

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 2021-11-10
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not convinced that XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COLUMBIA DEBT RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TN
Tags: Servicemember

Complaint:
I made an on-line payment to by Paypal Credit Card issued by XXXX XXXX on XX/XX/XXXX. as of XX/XX/2018 payment was still pending eventhough it had cleared my bank on XX/XX/XXXX. Now, XX/XX/2018 Paypal has received payment,, posted under payments received, BUT THEY HAVE NOT posted it to by account balance They say it is a " computer glitch '' ..When i called on XX/XX/2018 they said it would be fixed the next day,,, now it is going to take upto another week. 

I have a late fee attached to by account because of their " computer glitch ''.

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 2017-08-02
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: NC

Complaint:
I contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
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: TX

Complaint:
I never consented nor benefited from the attached inquires, please block and delete all inquires. If Experian believe i did any good and services from the following transactions, please let them have one of their senior executive sign under the penalty of perjury that i did receive indeed.

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 2020-11-30
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: CNG FINANCIAL CORPORATION
State: TN

Complaint:
On XX/XX/XXXX, AXCESS FINANCIAL add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, XXXX  add a hard inquiry on my credit report per XXXX.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
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: MD

Complaint:
I am writing to request assistance with Experian. I believe that they are not actually investigating and verifying my accounts. I believe this to be true because after I submitted the same information to the other two credit bureaus XXXX and XXXX  and after investigating them the accounts were deleted. I wrote Experian several times regarding the inaccurate information on my credit report and they are refusing to remove it. 

My most recent letter to Experian states : XX/XX/2018 Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian, The below accounts are inaccurate, out of date and the balances are incorrect. 

Based on your results, I believe that you have not investigated or verified these accounts correctly or at all. By law ( FCRA Fair Credit Reporting Act ) you are required to investigate consumer disputes and remove the accounts if they are found to any inaccuracies. There is no way you could have properly investigated and verified these accounts and they were deemed accurate. 

I am requesting that you actually investigate and verify these accounts for accuracy, and delete them, as they are incorrect. 


Account Name : XXXX XXXX Account Number XXXX Reason : Not mine. 

Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Balance {$7500.00} Reason : Inaccurate. Out of Date. Incorrect Balance. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Balance {$15000.00} Reason : Inaccurate. Out of Date. Incorrect Balance. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Reason : Inaccurate. Out of Date. Incorrect Balance.

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 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint:
There is a XXXX XXXX  debt with account # XXXX & XXXX on my equifax and XXXX credit report along with XXXX XXXX XXXXXXXX XXXX XXXX These debts don't belong to me and matter of fact it says on my report that account was paid in full and is a charge off. I am in the process of getting a mortgage loan and with these no balance delinquent charge-offs being posted on my account not only is it severely harming my credit score. But I am unable to qualify for a home loan. I need these inaccurate accounts that do not belong to me removed from my credit report ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: GA

Complaint:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-08-09
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: Experian Information Solutions Inc.
State: GA

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 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 2020-04-15
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:
I just reviewed my credit report and noticed errors on my file.

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 2019-08-27
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Convergent Resources, Inc.
State: FL
Tags: Servicemember

Complaint:
I paid this debt with convergys in XX/XX/XXXX but they have not updated the account since late XX/XX/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 2021-08-12
Product: Debt collection 
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT
Tags: Older American

Complaint:
The company calling was CONSERVE. When I returned the phone call they said they sold my number. They said they have every right to call any number for debt collection. I asked if I had a debt and they did not know but offered a service to help with debt. I have NO debts.Their number was XXXX XXXX XXXX. They ( the man 's name was XXXX XXXX XXXX said that they do not look at the do not call list. And again tried to sell me a service to avoid debts. This is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
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: MD

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions

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