hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2022-08-17
Product: Debt collection 
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint:
My name is XXXX XXXX. I am an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and in NY. I received a call this morning on XXXX from someone claiming that I had an XXXX XXXX Account and that they would file a judgment against me in XXXX XXXX, as well as contact my employer. I am self-employed. 

I have never had an XXXX XXXX Account. Just in case I misremembered something, I confirmed this info with Barclays Bank that owns XXXX XXXX debt. These scammers have my first and last name and my full social security number! Please advise. 

The number that I received the call from was XXXX. I was told to dial XXXX to follow up.

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 2023-08-01
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: Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
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: EQUIFAX, INC.
State: MN

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card 
Sub-product: Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint:
I used Care Credit  Synchrony Bank to charge procedure with XXXX XXXX XXXX XX/XX/2021. I ended up with unacceptable results that still needs additional revision. 

Ive have an entire photo album tracking progress ; and have given the issue more than recommended amount of time to see final results. 

According to the website there is mention of skin tightening and even the specific quote that the skin is always left tighter than before. My result is the opposite. Skin tightening was not the reason I had this procedure. It was too remove the XXXX for an improved contour ; however, it was definitely not to leave the skin worse and less tight then I started ; especially when skin tightening is promoted as a side benefit. 

Im not looking for a perfect outcome. Im looking for a result that leaves me looking better than I started off. The result is not subjective. It is clear Ive been left with a worse issue then I came in. I have pictures and video to prove this. 

XXXX  after pictures as well still show significant slope of profile not really an improved contour. Ive seen some improvement in the profile after the XXXX XXXX but that is not as result of XXXX. I have appointment now to work with cosmetic consultant to help guide me in next steps so I can have proper revision/correction. 

If there is nothing that XXXX believes they can do ; I dont understand why there can not be a internal negotiation on a fair price since I have been left with a worse result that now needs revision procedures to fix. They are u willing to do anything ( opposite of what I was originally advised ) saying they believe I have a great result. I even went back to see another XXXX there per their request and he even said he has not had patients with this result and advised possible things I could look into for additional revision. 

Anyone who sees my pictures it is clear I have issue didnt have before. Even if it is not something XXXX can fix ( which they advised they can not ) then why would they not in good conscience work with me to achieve a resonance outcome. I understand I take some of the risk in a cosmetic procedure, I am more than willing to pay the surgical fees etc, but to pay {$6000.00} total to be left with horrible results that needs a revision is not acceptable. 

I am attaching a few of probably the hundreds of photos I have taken tracking the progress.

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 2022-10-06
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: Garrison Investment Group
State: PA

Complaint:
Foundation Fiance Co LLC placed a credit inquiry on my credit report on XX/XX/22 and I did not apply for any credit with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Product: Debt collection 
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: ID

Complaint:
I had a membership with XXXX XXXX, and I went there consistently for a couple months until I got pregnant and had an injury during my pregnancy. I let them know the day I had left the gym as well as called back a month later, after I had received a charge, even though I have not been going. The representatives and let me know on several different calls that I didnt have to worry about anything, and since I had to dispute the charge with my card, theres nothing further I needed to do on my end due to the unique situation. I had been receiving strange calls to update my financial information so I had called back again and they let me know as long as the money wasnt coming out of my account. Theres really not much they could do. About a month or so ago I received a call from the manager at that branch letting me know that they were about to send my debt to a collections company because I owe over {$300.00}. Every single time Ive spoken to a representative. I thought there was no further action was needed but since they have proof of the attempts of calls, they made theyre not willing to work with me on the debt. I was going back-and-forth with the manager in regards to taking care of the account. However, he stopped responding about a month ago and now I received a collections notice from a legal firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint:
Capital One Auto Finance claims that I owe them money for a car loan that I never applied for. I have disputed this issue several times. I also asked them to send me verification of this debt. I have not received anything. The address they have on file is not my address. I have never lived at the address they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
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: TN

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2017-07-12
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: NJ

Complaint:
On my credit report under 'regular inquiries ' via ( Trans union, XXXX and XXXX ) there is an inquiry showing the company XXXX XXXX with the date : X/XX/2017. This inquiry is fraudulent and I would like this inquiry removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms
Company: EdFinancial Services
State: CA

Complaint:
Edfinancial doesn't provide estimated wait times or confirmation email on how my loan refund application is going. I also do not know how much I am getting refunded. They just want us to wait and referred me to get information from the department of education. I hope there is a way to get an estimated progress information updates from the organization or the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: TX

Complaint:
On the account with Equifax, I have written them numerous times as well they are showing an account with XXXX XXXX XXXX as inaccurate with an updated Date of Last Active which matches the Date of Last Reported. This shows they updated this account and Re-aged this account which is now a violation. Along with the fact that the High Credit Limit is matching the Balance which is inaccurate. This account is not a joint account and if they had actual proof they would have provided that because the method of verification was asked for numerous times. I have also asked for an independent investigation because due to XXXX XXXX XXXX it is required and they have yet to provide this information. I have been pushed to place in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: SC

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX 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, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are 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

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 2023-04-27
Product: Checking or savings account 
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint:
Opened checking account with New Customer promo advertisement. Met all the terms and conditions to qualify for credit of {$300.00}. Called customer service after 90 days with no credit of funds, representative stated they do not guarantee their promotions and refused to apply promotional advertisement. This is US Bank

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 2019-12-05
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA
Tags: Servicemember

Complaint:
On Sunday XX/XX/2019, I went to deposit money after to work into a walk up ATM at Wells Fargo XXXX XXXX XXXX, XXXX, VA XXXX when the ATM froze during my deposit. I reached out to Wells Fargo Customer service number to file a report. I received an Email saying money would be credited back within 2 business days. It is no Thursday XX/XX/2019 and nothing has been resolved. I was also told over the phone at the branch themselves that there would be no manager today to help me. I reached out to the AG office of Virginia and was told you would also be able to help. I have attached time stamped photos of the ATM frozen during my deposit. 

Cheers 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 2021-12-04
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: OR

Complaint:
These agencies include Equifax, XXXX, and XXXX. my wife and I are victim 's of fraud this is been on going still we have filed complaints to your office as well as the were the debit took place, your office keep passing this back to Equifax, XXXX, and XXXX they keep tell me I never showed a police reports I have sent them and your office has showed them also, we have make complaints with FHA, as well as Hud from their own website up loading the info we spent money using their owe sites and they wont take the info, provided, please see the enclosed info. I have also called your XXXX XXXX XXXX IM XXXX and a member of XXXX XXXX, we have been discrimination on the basis of familial status and gender because no one fixed the credit I was force this humiliation of this, and split of my children between homes, this has caused my health problems as well not having the credit my teeth damage I need dentures. we lost out on homes and lender who cant lend to. our info with Equifax, XXXX, and XXXX is crossed wrong, multiple files with mine and my wife. info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
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: Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint:
I have attempted on 3 occasions to obtain the method of verification used to verify an erroneous bankruptcy that has been listed on my credit profile. Experian has yet to provide that proof of verification. After reviewing their website, it was found that a third party credit agency, XXXX XXXX at times furnishes information to the credit bureaus. After reading that I contacted XXXX XXXX who attempted to verify this account with the courts. The courts sent notice that they do not verify such information. XXXX XXXX then deleted this erroneous bankruptcy from their records. This bankruptcy is unverifiable and should be deleted from my credit report. I have attempted to get actual proof of verification since XX/XX/XXXX, XXXX Letters sent to Experian on XX/XX/2021, XX/XX/2021 and CFPB complaint sent on XX/XX/2021. Even after a compliaint was filed, it STILL did not receive any verification of this bankruptcy. How is this even possible that this continues to happen. It is now XX/XX/2021 and I STILL have NO PROOF OF VERIFICATION. This is beyond unacceptable at this point. Without verification this accounts need to be removed ASAP.

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 2021-10-19
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: Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI
Tags: Older American

Complaint:
My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told XXXX I asked them about the free credit report because of the covid situation. before they agreed to sent me one XXXX and Experian gave me a total run around.

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 2023-08-26
Product: Credit card 
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint:
I received an application order from Fortiva credit card when I read the terms I realized. They were excessive fees that although tempting by the amount they would approve of credit, the fees were excessive and take advantage of an average consumer trying to keep their heads above water. They should be stopped from take advantage of the consumers and make the fees more affordable to help, not hurt the average consumer. They are seriously taking full advantage and although I saw through it, most people won't understand until they are indebted to this company. Their terms of service allow them to change their rates at any time and the consumer can not opt out if they carry a balance... they are held XXXX to whatever the company wants to do and has to pay according to the changes if they are currently holding a balance. They are wrong and should be made to Lowe, eliminate and adjust their terms to ones that are fairer to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: NV

Complaint:
I ACQUIRED MY CREDIT REPORT AND ASKED BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 30 DAYS AND RECEIVED MY INVESTIGATION AND NOTICE EVERYTHING WAS STILL THE SAME. THE CONSUMER REPORTING AGENCIES WHICH IS XXXX, XXXX TRANUNION DID NOT MODIFY OR REMOVED ANYTHING. 
THE DATE OPEN IS NOT CORRECT, DATE LAST ACTIVE ISS NOT CORRECT ON ALL THREE CREDIT REPORTS, DATE OF LAST PAYMENT IS NOT CORRECT ON THR THREE CREDIT REPOTS. 
WHICH IS A VIOLATION. THIS IS IMPACTING ME FROM MOVING FORWARD TO BUYING A HOUSE FOR MY FAMILY. 
I ATTCH MY PREIOUS CREDIT REPORT TO SHOW HOW XXXX, XXXX, TRANUNION VIOLATED MY RIGHTS.

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 2023-04-04
Product: Debt collection 
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Tags: Servicemember

Complaint:
I have a debt with Capital One. I had my credit ran to see my debt to attempt to clean it up. After seeing my debt I started cleaning it up. Suddenly I received a certified letter ( XX/XX/2023 ) from XXXX XXXX  XXXX about a garnishment lawsuit that has been filed in behalf of Capital One. I made the call this morning ( XX/XX/2023 ) to explain Ive been trying to reach Capital One within the last 2 weeks to make some payment arrangements but, no return call as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
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: EQUIFAX, INC.
State: MN

Complaint:
My identity has been compromised and the aftermath of this has left me with unauthorized activity involving my credit report. I recently disputed the activity and the credit agencies investigation came back verified. My question now is verified by whom, and when and how. What was the Method Of Verification.  And in accordance with FCRA I'm requesting the details of the Method, or the following inquiries shall be removed immediately. The following inquiries are, 1 ) XXXX XXXX XXXX, ( XXXX ) ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX  XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX  ( XXXX ) 11 ) XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief