hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2018-01-16
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: Experian Information Solutions Inc.
State: FL

Complaint:
Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of XXXX, Experian and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.

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 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute
Company: DISCOVER BANK
State: MI
Tags: Older American, Servicemember

Complaint:
On XX/XX/XXXX. XXXX the Defendant, XXXX XXXX XXXX had a XXXX  meeting with Discover Card Services the Plaintiff in XXXX. District Court before Judge XXXX regarding the illegal filing of a Judgement Lien. State of Michigan XXXX case XXXX was incorrectly heard as a Garnishment Case instead of a Judgement. Plaintiff 's attorneys did file a Judgement Lien with the register of deeds in XXXX XXXX County on XX/XX/XXXX. 
The owners of the property the lien was filed on is owned by XXXX XXXX XXXX and XXXX XXXX XXXX, husband and wife by the entireties and in Michigan that prevents a creditor from attaching property owned jointly when their claim is against only one of the parties. Now, Plaintiff should know this as they did it in XXXX and were later chastised for failure to release the lien, which was and illegal use of the law. ACT 236 of 1961 Section 600.2813 allows penalties of {$300.00} for failure to discharge the illegal lien. The law also allows fines of {$5000.00} and 3 years imprisonment as this is a felony under Michigan Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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: CA

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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. Below are the lists of the erroneous accounts reporting on my Credit Report : 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 non-monetary relief
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint:
On XX/XX/XXXX my Equifax credit report was showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card which are all in good standing. My credit score was listed as XXXX which really is n't good but this was another issue that I previously filed a complaint on. On XX/XX/XXXX my Equifax report was no-longer showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card. My Credit score has again dropped to XXXX which is getting worse than better. I reached out to Equifax regarding this issue and the response from them was that I need a Credit specialist. So I did meeting with a credit specialist at XXXX XXXX. He couldnt understand why this issue was taking place. I took it upon myself to contact XXXX XXXX XXXX and XXXX XXXX to inquire weather or not that they stopped reporting my history. There response from both companies were the same. They stated that they report to all three credit agencies and would not stop reporting either good or bad information. I am attaching correspondence from my conversations with both XXXX XXXX XXXX and XXXX XXXX. These issues that I 'm having with Equifax is not satisfactory in my book. My next step will need to be seeking Legal Council. All Im looking for is that my credit score be reflect my score of XXXX as it was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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: EQUIFAX, INC.
State: MN

Complaint:
I sent a Letter on XX/XX/2023, to EQUIFAX, XXXX, AND XXXX to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information with third-party people, much of this information was also mistaken, fraudulent, or perhaps even possible identity theft. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
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: CA

Complaint:
I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n. I am entitled to monetary compensation for the damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transactions that were not initlated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 

I have already contacted the creditor who is reporting this information and waittng on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint:
I'M WRITING IN REGARDS TO REOPENING MY CAPITAL ONE SECURED CREDIT CARD. I WOULD LIKE TO OPEN MY ACCOUNT.. IM NOT ASKING FOR AN INCREASE BUT IM ASKING TO HELP BUILD MY CREDIT.. THIS CARD HELPED OUT AND IM NT HAPPY ABOUT BEING CLOSED WITHOUT MY CONSENT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint:
In 2017-Directly after Hurricane Harvey I was unable to work for a couple months. Since I was a victim of a natural disaster Capital One offered me a temporary payment relief plan. I fulfilled my end and paid it all current directly after it was over. Capital One placed 1 month of 30 days late and 3 months 60 days late on my credit report. I have disputed this multiple times and I receive a letter stating Capital One does not remove negative remarks from your credit report as a customer service. I dont want it removed as a customer service-I want it removed because it is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Product: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: SC
Tags: Servicemember

Complaint:
On XX/XX/XXXX at around XXXX XXXX, I received a call from a debt collector from National Recovery Agency saying that I owed XXXX XXXX  in XXXX XXXX Illinois {$110.00}. they provided no form of mini Miranda, and I told them I would call XXXX XXXX to verify. After calling XXXX XXXX, I immediately checked my credit score which went down 40 or more points because of derogatory marks related to the collection attempt. NRA in my opinion, did not follow the FDCPA by reporting the information to credit bureaus before the 30 day notification period had expired. I am still verifying the status of the alleged debt by XXXX XXXX who never contacted me in regards to the issue. I am concerned that my credit score is being damaged without any notification on both parties part, and that no notice of how to dispute was given to me by the creditor. ( No person shall be deprived of life liberty or property without due process of law ) I called the collection agency to ask who reported it and they said they would resend the notice in 14 days. This is not sufficient since it does no good to get the notification after the fact. Also, the address the debt collector gave me that XXXX listed was not used since XX/XX/XXXX. 
If that was the last address used, then the last bill would logically be 8-ish years 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 2023-07-19
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint:
I recently opened a business account with Chase bank. I deposited three checks made out to my business in the past week. Chase has now frozen all funds in my account, placed holds on my deposits, and is saying they are fraud and trying to close my account without releasing all my funds from the checks. I am now out {$30000.00} and my customers and business partners are also out money while waiting for us to have the money to do jobs. Chase is saying they are unable to verify the checks due to not having a verified number in their system for one of them, and calling two numbers for the other two checks that dont exist for the business that wrote the checks. We have tried asking Chase to call the numbers for both of these business that are listed on XXXX, their website, and we have confirmed numbers for, and they refuse to call those numbers to verify the checks saying Its not verified in their systems. Chase has told us we can not do anything else about this, we will not have access to our money and the account will remain frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint:
Hi, I ordered some clothing from XXXX ( Comenity Bank ) and returned them when I lost my job from COVID. I never even opened the packaging. They have received everything back and that was confirmed with XXXX, but they are charging me {$78.00} + {$39.00} + XXXX in late fees and also finance charges. I explained to them and have all the correspondence with them whereas I ask them to remove the late charges as I lost my job and can not pay them. The first lady said when we received the last item ( which was backordered - I did tell them not to send to me ) we can go ahead and remove the late fees and finance charges however they are not willing to help me out and I find it crazy to pay late fees for items I retuned as soon as I got them. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings
State: TX

Complaint:
I received a call from XXXX on Sunday XX/XX/2019. I told them that Sundays were an inconvenient time and to not contact me on the weekend. By informing them of the inconvenience, the laws protecting consumers by the FDCPA should be enforced. Approximately 2 hours later they then called me back continuing to attempt to collect a debt even after they were told Sunday constituted an inconvenient time. They ended up calling a total of 3 times, the first went unanswered but no voicemail was left.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint:
XXXXXXXX XXXX XXXXXXXX Dispute not available EFX Help mark icon EQUIFAX has opened a dispute on XXXX XXXX  Consumer NEVER asked Equifax to open a dispute. 

Consumer has NO ISSUES, NO PROBLEMS with XXXX XXXX  Equifax is ruining consumers credit history, by FRAUDULENTLY opening a dispute on the account above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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: EQUIFAX, INC.
State: KY

Complaint:
I would like to dispute this one item because its killing my report and killing my financial life planning. Killing my score and most important its not mine. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Product: Student loan 
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint:
Ive have tried calling Navient over the past year to work out a solution and I am only ever given the option to pay {$50.00} once and then back to the regular monthly payment which is over {$350.00}. I owe about {$29000.00} and my interest rate is extremely high, at 13.5 %. I have repeatedly asked to have a lower interest rate and monthly payment. Navient asks me the same question each time I call and give me no other options no matter how far my account goes past due. They refuse to offer any reasonable, long term solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Tags: Servicemember

Complaint:
Our mortgage company is stating that since the state I reside in was deemed as a federal disaster in XX/XX/2021 that FEMA required ALL mortgage companies to report to credit bureaus for anyone with a mortgage that they needed financial assistance to pay mortgages even if they did not need help. We did not need help and told the mortgage company that. As a matter of fact, our payments were made in advance of the Texas Winter Storm. According to XXXX, our mortgage company reported that we were in a loan modification because of the federal disaster and they refuse to report that our payments were made on time for XXXX, XXXX and XXXX of XXXX Credit reports for myself and husband are showing NO DATA REPORTED for those months. Mortgage company advised me this morning that the reported information would not be corrected because that is how FEMA told them it had to be reported. We were NOT under a forbearance or loan modification and all payments were made on time. Even though the no data reporting does not neccesarily hurt our FICO score, it doesnt help it and we arent getting the credit for those payments that are being made. We've had this problem with this company before and their sister company as well. It is frustrating and want it to be corrected and reported accurately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TN
Tags: Servicemember

Complaint:
I bought a new XXXX XXXX XXXX from XXXX XXXX in XXXX, KS in XX/XX/XXXX. I received a loan from Kia Motors Finance. I then paid the vehicle off in XX/XX/XXXX. I wrote a letter to the company certified mail to : Kia Motors Finance Attn : Release of Title XXXX XXXX XXXX XXXX XXXX, CA XXXX Post Office Article # : XXXX Company receive date : XX/XX/XXXX I went to the Kansas DMV on XX/XX/XXXX and the company still hasn't released my vehicle title. I've been waiting on this title for over a year. My advice to everyone is DO NOT get a loan from this company.

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 2022-03-19
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: CITIBANK, N.A.
State: RI
Tags: Older American

Complaint:
On or around XX/XX/XXXX i was offered a Citi Miles Ahead savings account with the opportunity to earn up to XXXX miles on XXXX XXXX with a deposit of XXXX i opened the account- when i called to make sure the miles would go into my XXXX account before i funded it- i was told that i was not eligible for that offer -- I closed the account and cut up the debit card which had arrived in the mail that day. The next day in my mail, i receive a pamphlet offering me once again the same- XXXX miles if you fund the account with XXXX I called Citi and after numerous conversations the answer is basically No i am not eligible because i closed the account!!! I could not get anyone to see how insane this was- i closed it because they told me i was ineligible!! - I feel that this is false and misleading and they have no intention of giving customers the miles- Please investigate- CIti.com. 
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 2017-10-15
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: TX

Complaint:
I was on deferment with thin long and in the process of being on deferred loan I Fort was applying for XXXX through XXXX XXXX and during this time that the the customer representative told me that I can get on deferred where I can suspend my payment until they decide if I 'm going to get the XXXX or not both companies were aware that I was applying for this during this time while I 'm waiting they put this on my credit I asked him to put this on I asked them to pull the tape so we could listen to the conversation of what the representative told me. I do n't believe that there are true and correct I have went back and forth with them and that 's what the representative told me and they knew that I was in the process of getting a XXXX and the representative told me that everything would be okay and it would not show A payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint:
I recently review my credit report and there are hard inquiries that I do not recognize. This report is not being filed by a 3rd Party XXXX XXXX Company and this is not a duplicate complaint. Below are the unrecognized Hard Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM 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 2023-04-02
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: MI

Complaint:
These are the companies that have inquiries on my credit report in which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XXXX Verify- XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX, US Department of Education-XXXX, US Department of EducationXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint:
I send out a dispute letter to all there credit bureau XX/XX/XXXX Equifax, and XX/XX/XXXXto verify all the information that i think are incorrect and wrong i am exercising my rights under fair credit reporting act i gave them 30 days to response and no answer so i want the items to be removed and deleted.

Company response to consumer: Closed with explanation