hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2017-08-18
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: LoanCare, LLC
State: NJ

Complaint:
Loancare is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XXXX mortgage payment since we would be traveling out of state from XXXX XXXX - XXXX. We did not have access to email or XXXX mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. OnXX/XX/XXXX we received notification that our mortgage payment for XXXX XXXX was not made in a timely manner and that Loancare reported us 30 days late to the credit reporting agencies. Upon contacting Loancare, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from Loancare that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit  suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the Loancare website should have been resolved by the 20th ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for Loancare to  suppress the erroneous reporting based on them having improper contact information and Loancare is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to Loancare or any other creditor in the last 14 years.

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 2023-06-07
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: WELLS FARGO & COMPANY
State: TX

Complaint:
Dear CFPB, This letter is a complaint regarding the Wells Fargo Bank XXXX XXXX XXXX 's negative handling and lack of response to disputes between customers and merchants, where they simply collect salaries without performing their duties. 

Recently, I made a purchase from a merchant on XXXX. The seller claimed to offer free returns and a 75-day buying protection. However, when I tried to return the item a month later, I discovered that the seller did not honor their guarantee of free returns and even refused to accept the return. I have already filed a complaint with the XXXX, but XXXX has never responded to any of the consumer complaints and continues to conduct business in the United States. 

Frustrated by this situation, I had to initiate a dispute. However, during the process, I found that my bank was handling my dispute in a passive manner. They readily refunded for inexpensive items but claimed to have filed a case for larger amounts after I provided details over the phone. 

After waiting for several weeks without receiving a claim ID email, I made two phone calls to inquire about my ID. Surprisingly, the bank informed me that they were unable to provide a claim ID. I asked them how I would know if they had completed the work without a claim ID. During the phone call, I provided all the details I knew when I submitted the dispute, albeit only verbally. The bank 's passive handling involved categorizing these cases as " lack of evidence '' and deliberately disconnecting calls, stalling the process until I asked again, only to be told they couldn't provide an ID. It seems that this bank employs these complex and burdensome tactics to discourage new immigrants from pursuing disputes, thus reducing their workload. 

If such difficulties arise during the application phase, I seriously doubt their ability to handle my dispute. I request that the authorities exercise oversight and management of banks, preventing them from resorting to such unethical practices of reducing their workload by exploiting language barriers faced by new immigrants while still collecting fees without fulfilling their responsibilities. 

Sincerely, 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 2022-07-29
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 was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX DOE  XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  GEORGIA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2019-06-25
Product: Debt collection 
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CT

Complaint:
Hi I'm XXXX XXXX, I was have insurance with the general insurance and im never receive any mailing to know how I pay and after that they send it in XXXX XXXX, I need to dispute with them the account number XXXX and apologize thank you my phone number XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: FL

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2500.00}, XXXX XXXX Balance : {$760.00}, XXXX XXXX Balance : {$0.00}, XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$3200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/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 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-02-16
Product: Debt collection 
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: National Account Services Group, LLC.
State: TX

Complaint:
On Wednesday XX/XX/XXXX this company left a voicemail to return a call did not leave a name but said it was in reference to legal documents from the clerks office document # XXXX. That same day they called my father in laws cell phone number. On XX/XX/XXXX they called my daughters cell phone number as well. I do not know who they are I called but they are closed when I get off of work. I do not have any lawsuits against me and this company has not called my direct cell phone. They are calling relatives and giving this information to them or leaving it on their voice mails. These numbers they are contacting I have never given out so I do not know how they are getting this information. Also I have never received a collection letter from this company.

The company name is National services group. Phone # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-01-11
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: PA
Tags: Servicemember

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # XXXX Has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
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: IN

Complaint:
LET ME KNOW THE REASON AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX/XXXX XXXX IS STILL REPORTING ON MY CURRENT CREDIT REPORTS. THE ACCOUNT IS FROM 2015 WITH NO BALANCE AND IS REPORTING LATE PAYMENTS OF 90 DAYS. PLEASE TAKE THE TIME TO INFORM ONTO WHY THE ACCOUNT IS STILL ON HERE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING IT, AND NOTHING HAS BEEN DONE ABOUT IT.

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 2023-01-25
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: Affirm Holdings, Inc
State: NJ

Complaint:
I have contacted Affirm and XXXX 3 times requesting proof of an account that has been listed on my credit report. Under the New Rule REGULATION F which took effect XX/XX/2021. 
Affirm and XXXX has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. 
AFFIRM INC Account # : -- XXXX -- High Balance : -- {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint:
I contacted EQUIFAX regarding an account reported by them as late payment to correct it. Equifax never communicate back to me regarding the account. I contacted XXXX College been on record per Equifax, they report the late payment. XXXX College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX on behalf of all the school. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Equifax. XXXX College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX on behalf of XXXX  University of XXXX XXXX   under account number XXXX, which is also on file with EQUIFAX and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under the account number XXXX, and I made a payment of {$40.00} on XX/XX/19. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: NY

Complaint:
I contacted this company XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for VALIDATION of some accounts which by law I have this right. The company responds back VERIFIED but FAILED to show HOW as I requested all three times. 
My three collections, HOW did you validate? I can say for a fact that I have proof eastern account systems is inaccurate being I have actual proof XXXX was PAID. How was XXXX verified? So how is it exactly these accounts validated? I have a right to know and if this was not done, removal. I have a right to see the contract to each of these companies showing I owe them by terms of a contract with my signature, This is my right to obtain this and this is by law the only way they can be reported on my report. This contract is to show their company names and my signature to be a valid debt by law. 
The accounts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are all INACCURATELY REPORTING. These XXXX accounts show XXXX in payment history, they show 100 % payments on time but yet CHARGE offs! Law code 15 is code 1679c states ALL INACCURATE ACCOUNTS ARE TO BE REMOVED IMMEDIATELY! I asked to validate XXXX XXXX and XXXX XXXX  also to a simple valid. How was this validated? 

When I questioned inquiries I was IGNORED. I called each of these companies and they have no record of me and told me to contact the reporting agency, so why am I being ignored? Who is XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXXXXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Product: Debt collection 
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt
Company: World Recovery Service, LLC
State: VA

Complaint:
World Recovery Service  ( WRS ) collected on a debt that I had back in  XXXX  of  XXXX . I received a letter from WRS that states that the account in question was paid in full. In  XXXX   XXXX  I received a phone call from a lawyers office stating that the original creditor was taking me to court because I did not pay my debt. I explained that I did pay my debt and that it was paid to WRS and they sent me a letter proving that my debt had been paid in full. The person told me that they had a string of debt collection agencies that had the debt after WRS. This means that WRS collected the debt but did not report it properly and allowed the debt account to be sold off to another company to collect on. WRS received money from me to pay of my debt and from another collection agency when they sold the debt to them to be collected on. I 'm not sure if this is just a mistake or if this is a trend with their business. I would like for someone other than the business itself to look into this matter to determine if they are failing to report payments they collect purposely and getting paid twice or if this was a one time error.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN
Tags: Servicemember

Complaint:
Nothing has been done on these accounts. There are numerous violations showing on my report. There are accounts that XXXX stated, were deleted, after their investigation. However, they are still showing on my report well over a month after they completed their so-called investigation. Also there have been 21 accounts added by Experian, after their investigation, that were not reported previously. These are accounts that are several years old, that the other two were reporting already. I have called all three Bureaus to dispute these issues and all I am told is that I basically have no control over what is done because they can report whatever they want. They would not tell me who did my investigation and I want all the information pertaining to the investigation they claim to have performed. I want the name of my investigator, their role in the company, who they spoke to, and if they contacted everyone that they are legally required to contact according to the FCRA. I will be notifying the Attorney General over this and I will be seeking litigation if nothing changes. How can my credit report be accurate if all three Bureaus are reporting something different? I have documented all the violations over the last 5 months, and I am prepared to take things to the next step legally to make sure that all the information on my credit report is accurate.

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 2017-12-07
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:
multiple accounts opened in my name, have never lived at any of the addresses associated with the accounts. Have tried to dispute on 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