hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint:
Closed my account : XX/XX/XXXX Amount : Entire Balance My account was closed without my knowledge. When I realized, i called the walmart credit card and asked them why. They said they weren't sure, complimented how I had never missed a payment, and how it was in good standing. My credit score just went up, and I received a brand new updated card. They told me to wait for a letter to be sent because they weren't sure and had no information when I called ( XX/XX/XXXX ). So I wait and a letter arrives, I get it ( End Of XXXX ), ( name on paper is spelled incorrectly ). And the indications stated under the reasons why they closed my account are not associated with my account. So I called the Synchrony Bank ( XX/XX/XXXX ) and receive just as much info as the walmart credit card associate, he tells me that they make judgments based off a score they receive which decides if the card holder could pay back the balance. He said my score was low, which makes no sense since the lady from the walmart credit card told me my account was in good standing and i never missed a payment. So after that call ended, I called XXXX, no one answered, all automated, and i wasn't able to speak to anyone about it, there was no option that was associated with my complaint. I was making payments, and they are still charging me interest. I have been a cardholder for over a year. I've never missed a payment and always kept it in good standing, and as a reward my credit score dropped 30 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint:
I am being charged for a medical bill that i had medicaid for. I have a collection on my report that should have been paid for by medicaid. I have attempted to get the collection deleted from my credit report but had no success and the company in question will not help either.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint:
I had sent letters to all three credit bureaus on XX/XX/2020 advising them they have some incorrect account info and needed to delete it via a 609 dispute letter. 

After 30 days of no correspondence from any party I had sent a sceond 30-day demand to comply letter to each bureau letting them know it has been over 30 days from the first letter and for any inaccurate info to be deleted. 

I had sent certified mail so I know they have my demand to comply letter I have not been contacted and nothing has been corrected. I know need your help. 

Enclosed are the copies of each letter to the beraus. Let me know if you need any more info

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 2016-07-15
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: Monterey Financial Services LLC
State: TX

Complaint:
The original transaction was with XXXX as evidenced in the enclosed documents. XXXX funded the transaction and the debt was owed to XXXX XXXX. However, upon completion of the transaction and subsequent attempts to contact XXXX, I discovered XXXX had ceased operations and had been indicted for fraud by the Federal Trade Commission. 

The debt has now passed the statute of limitations for reporting and for legal pursuit of collection in my home state of Texas. I demand removal of the record of this debt from my consumer credit report and cessation of collection activities by Monterey Collection XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL
Tags: Older American, Servicemember

Complaint:
In XXXX of this year, after unsuccessfully trying to contact the vendor, I called Chase to dispute charges for automobile service that turned out to be fraudulent. I was told that I would receive a request for information. When after more than a week, I had not received the request, I called again, and was told a request had been mailed earlier ( I had not received it ) but not to worry, another request was on its way. In response to that second letter, i sent documentation to Chase by uploading on its website. Chase then closed the dispute saying it hadn't received additional information. I called again and was told that the notwithstanding instructions in its letter, I had to mail or fax the information, not upload. So, Chase told me it reopened the dispute and I faxed some information in. Chase then denied the claim, saying in a letter that a significant amoiunt of time had passed, even though the reason so much time had passed was because Chase had mislead me about its process and how to submit information. So I called again, and was told that the denial of the dispute was because of information the vendor had sent in, not the passage of time. I responded that I had not been given an opportunity to respond, and asked for the information, and Chase then sent it to me. I then called Chase again to ask for an opportunity to dipsute the information provided, and i spoke to a supervisor who then told me that in her iew Chase had mishandled and mischaracterized the dispute and that she would send the claim for review with her recommendation that Chase credit the disputed amount to me because of the mishandling. She also said I should wait for about 15 business days to see what happens. I received no further information, so I called today and was told the review was denied almost a month ago, and Chase had no obligation to notify me about this. The dispute inovlves a vendor who misrepresented the type of parts to be used and then installed the parts incorrectly. This all is explained in the correspondence that is attached with all the dates etc. Chase has not processed this matter or dealt with me in good faitih but has deliberately tried to discourage me from exercising my legal and contract rights. The vendor 's response to Chase contains a number of falsehoods, but Chase has not provided me with an opportunity to respond. Chase claims that some time periods may have expired, but that was not what I was told in my first call in XXXX. And, Chase has waived any right to make those cliams by accepting and processing the dispute. Chase has an obligation to do so in good faith, which it has not done. Please see all the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update and correct this suspicious accounts listed below. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my previous complaint and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 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 2021-02-15
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: Bread Financial Holdings, Inc.
State: CA

Complaint:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. COMENITYCAPITAL/XXXX, XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA
Tags: Servicemember

Complaint:
I was given credits for canceled flights by XXXX XXXX through my chase bank account. The fees were reversed and took my account over {$400.00} negative and my account was closed by the bank now I can not open an account with any other bank or credit union due to this the airline was supposed to issue a flight credit and never did then told the bank that I was on the flights so the bank said that cant go against the airline. The dates are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 and XX/XX/22 the balance was {$470.00} that I was charged

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
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: TX

Complaint:
i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect

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 2022-08-01
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN

Complaint:
Nature of complaint : We have LATE PAYMENTS from Community Loan Servicing showing up on our credit reports from XX/XX/XXXX to XX/XX/XXXX that should NOT be on there. We spoke to community loan servicing 6 months ago after disputing the late payments reported on both mine and my husband 's accounts. We received a letter in the mail ( after disputing with credit bureaus ) that they ( Community Loan Servicing- formerly Bayview Loan Servicing ) would be " removing all negative information '' ( letter is attached ). They agreed negative information would be deleted, however, the credit agencies refuse to update it. This is a HUGE deal for us as we are in the middle of a very important mortgage for our family and we are at risk of not qualifying because of this inaccurate info. PLEASE HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint:
Had some challenges over the years making student loan payment payments ( XXXX ; and again in XXXX when I lost my job. Called to get help and each time the only option given to me was forbearance. I was never offered any other types of assistance or programs. As a result, I am in more debt now that every before. The student loan amounts are listed in my credit report multiple times causing a negative impact on my credit score. I owes thousands in loans ( mostly from interest, fees, and forbearance ). This has caused a tremendous hardship on my family. It would have been nice to know that I could have been enrolled in an income based repayment program based off my income so that I could have kept up with my student loans -- and not pushed into forbearance as my only option. 

I have called XXXX XXXX, wrote letters, but nothing helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
In Accordance with the fair credit reporting act XXXX has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 explanation
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to ask about additional time on my last installment due to having issues during COVID financially. Additionally, I asked if I made this payment late would affect my credit. The rep told me that as long as I make the payment before XXXX XXXX does there monthly reporting that I should be fine. We came up with the date of XX/XX/XXXX and I paid on that exact date. When they updated my credit to show that my car was paid off they gave me a late payment on all of my credit reports for XXXX 2021.

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 2022-06-17
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees
Company: SUNCOAST CREDIT UNION
State: FL

Complaint:
They are merging debit transactions into ach and charging nsf fees as if a check was processed. No checks were written, no bearer documents processed. All fees were charged against automatic clearing house transactions or debit transactions. The fees are therfore illegally placed under laws describing and allowing said fees against checks. Furthermore none of the fees are the result of any real world loss or payment by the bank such as covering said transactions. Fees total {$140.00} for 5 alleged attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
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: Avant Credit Corporation
State: CA
Tags: Servicemember

Complaint:
On XX/XX/2018. I applied for a credit card and somehow it became a loan application. So, today XX/XX/2018 I called into the company and made a request to cancel the application because it was not what I thought it was ( credit card ). I also asked for the hard inquiry to be deleted from the credit reporting agencies. I spoke with XXXX who said he would transfer me to his supervisor XXXX in verification dept who would delete the hard inquiry. Now, XXXX says she can not remove the hard inquiry from my report. 

I thought I was applying for a credit card yet it was a loan instead, very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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: MD
Tags: Older American, Servicemember

Complaint:
I file a complaint of not being able to get my credit and never received an answer from either reporting agency. Within the last 7 years I have paid the state of Maryland ( {$7000.00} ) and Virginia ( {$6000.00} ) while paying XXXX, XXXX, XXXX XXXX and XXXX  XXXX credit cards services ( over {$6000.00} ). I should have a 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 non-monetary relief
Consumer complaint received 2020-07-15
Product: Debt collection 
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: NJ

Complaint:
I was notified by phone on XX/XX/XXXX by Midwest Recovery Systems that I owed an outstanding debt of {$450.00} and to call XXXX. When I called I was informed that they were a debt collection agency that had acquired my debt on XX/XX/XXXX from a payday loan from XX/XX/XXXX from XXXX XXXX  and that they had just put the debt collections on my credit report. When viewing my credit report Midwest Recovery Systems list the date of the debt as unknown ( instead of XX/XX/XXXX ). This debt, which I disputed as I was unemployed XXXX and never received a payday loan during this time, would be coming off my credit report in 11 months even if I lose the dispute, but where they fraudulently submitted unknown for debt date it will remain for the next seven years. They also told me that I can not dispute the debit until I pushed and became angry. The statue of limitations to collect a debt in NJ is also 6 years and yet they submitted date as unknown when they clearly know what the date is as they reported it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a 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: WI

Complaint:
According to FCRA 15 USC 1681 credit reporting agencies have to report 100 % fair timely and accurate information. I have since sent in correspondence to the bureaus to remove the inaccurate information and they fail to correct and error as well as remove any account they have yet to verify being mine all accounts are alleged, I have no knowledge of said of accounts and they cant verify anything yet they continue to report it. The dates aren't accurate the payments aren't the same, nothing matches up on my report with these alleged account. They need to be removed immediately.

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 2023-03-11
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: TX

Complaint:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX - XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 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.

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