hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2021-06-27
Product: Checking or savings account 
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account
Company: TCF NATIONAL BANK
State: MN
Tags: Servicemember

Complaint:
XXXX XXXX  currently has a checking account # : XXXX open in my name. The checking account is a fraudulent checking account thats not my checking account. I never opened the checking account. The checking account dont belong to me. I want XXXX XXXX  to immediately close the checking account and online banking access to the checking account thats currently in my name. The checking account dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
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: Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: NY

Complaint:
Ordered a free report on XX/XX/XXXX, it's now been over a month, I called and they claimed it was on its way but it had been well over 15 days and no repirt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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: EQUIFAX, INC.
State: NY

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX have violated my rights. 

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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: EQUIFAX, INC.
State: TX

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Product: Student loan 
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint:
My Chase Private Student loan fell delinquent in 2011 due to unemployment. I called numerous times to resolve the delinquency and apply for forbearance, but was told there was nothing that could be done. A few months later, it fell into collections and was charged off. I have called many times to see if payment arrangements can be made, but they are demanding the balance in full. I am in the process of buying a home, and can not pay the balance in full, but would like to begin paying on this loan. I need assistance dealing with the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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: NC

Complaint:
There is inaccurate information on my credit report that needs to be removed. Have sent out letters to credit bureau have sent several letters with no response or removing inaccurate infromation.

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 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: EQUIFAX, INC.
State: LA
Tags: Servicemember

Complaint:
XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX  both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX  balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX  and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection information.,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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: Experian Information Solutions Inc.
State: MI

Complaint:
XXXX, XXXX, and Experian are all reporting I have two chapter XXXX bankruptcies from 2016. I only have one. The clerk that entered my bankruptcy filing forgot to include my LLC 's information on the original filing, even though it was on the paperwork. Instead of correcting the original petition, since it was the court 's error, they dismissed the original petition and then refiled the petition the following day under a new case number. I was sent a letter by the Federal Bankruptcy court, explaining this which I sent to the credit reporting agencies. They refuse to remove the original filing which is negatively impacting my credit score to this day.

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 2022-06-21
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: NC

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

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 2019-08-19
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: CITIBANK, N.A.
State: NC

Complaint:
Dear Best Buy-Citibank:On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX store in XXXX, Colorado for pick up at the XXXX XXXX in XXXX, NC store. Payment of $XXXX was charged to my Best Buy Credit Card. Exhibit#1-Email receipt for purchase OnXX/XX/XXXXI received an email notification stating my order was cancelled due to the pickup window expiring-purchase not picked up at the XXXX XXXX, NC store. Exhibit#2-Email stating cancellation of purchase.On XX/XX/XXXX I received an email stating a refund was processed for XX/XX/XXXX purchase.To date, this refund was not processed. Exhibit#3.-Email stating refund in process.OnXX/XX/XXXX I walked in and purchased the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX, NC. Exhibit #4.-Email receipt for purchase.On XX/XX/XXXX I returned the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased on XX/XX/XXXX at the XXXX XXXX, NC store, as the TV was not working as designed. Exhibit #5-Email receipt for refund of purchase. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of $XXXX.  To date, my credit card reflects a a charge 0f $XXXX. The only charge I should be responsible for is the amount of $XXXX which is the amount of the XXXX XXXX purchased on XX/XX/XXXX. I have not received a refund of my original purchase onXX/XX/XXXX that was cancelled on XX/XX/XXXX. I have faxed documents, spoke to several agents to no avail. I have been dismissed by agents stating there is nothing they can do.I am requesting a swift resolution to this issue as I am perplexed as to why this has not been rectified. This is clear issue of no one taking the time to review the document trail and understanding while the same TV was purchased twice both were returned. I should not be charged for an item I never had in my possession. Again, I am hoping for a quick resolution to this issue.

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 monetary relief
Consumer complaint received 2019-04-25
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: Santander Consumer USA Holdings Inc.
State: FL

Complaint:
I paid off an charge off account with Santander consumer USA on XX/XX/XXXX and received a letter stating that the account has paid in full. However when disputing with the 3 credit bureaus, Santander responded with the same original amount owed and does not update balance on report to an XXXX balance per agreed and stated on the settle in full letter. This is fraudulent reporting on my credit report and needs to be corrected on with all 3 credit bureaus before legal action is taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint:
I am writing today in hopes to gain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 60 90 days late to the credit bureaus ( XXXX, XXXX  and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.

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 2019-10-16
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: SYNCHRONY FINANCIAL
State: TX

Complaint:
Called to file and investigate the dispute. I was advised my information not matching the application that was filed.

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 2018-05-05
Product: Checking or savings account 
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint:
On XX/XX/ there was a fraudulent charge on my account for XXXX, then on XX/XX/ another charge for XXXX. They are claiming that since the original charge was more than 60 days they are not responsible for the 2nd. They refunded the 1st charge. Using their own logic, they would not be responsible for the {$1.00}, they reversed that which means it is all covered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11
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: EQUIFAX, INC.
State: NY

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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: SC

Complaint:
XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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

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 2023-06-01
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: FL

Complaint:
I have called and they stated that they report on the XXXX every month. And that they are not responsible for the credit bureau not reporting correctly and that it would be on them. I did inform them they have not reported any payments since XX/XX/XXXX. They did not have much to say after that.

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 2022-04-18
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint:
This account does not belong to me. I had no prior knowledge of this account it has been opened without my consent after my personal information was stolen from me.

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 2017-06-06
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: EQUIFAX, INC.
State: FL

Complaint:
We are in the processing of taking out a home loan for a customer. On  XXXX / XXXX / XXXX , our customers credit was pulled and there was a collection company listed on their credit report that should n't be listed. On all  XXXX  bureaus, the account is showing as being disputed. On  XXXX   XXXX ,  XXXX , an attorney had sent a cease and desist to the collection company as this account had no legal bearing being placed on the customers credit report as well as filing a dispute to all  XXXX  bureaus.     On  XXXX   XXXX ,  XXXX , the customer contacted  XXXX ,   XXXX   and Equifax to ask them when the account was placed in dispute. Each bureau stated that the account was not in dispute or never in dispute. The customer then asked when such comments were placed on her credit file and was told they do not have that information.     This collection account is affecting the customer ability to secure financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
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: EQUIFAX, INC.
State: TX

Complaint:
This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This was the inaccurate account that I want them to correct : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: NV
Tags: Servicemember

Complaint:
XXXX XXXXXXXX bank account ending in XXXX settled showing unpaid. Case number XXXX settled for {$1500.00} as agreed.settled on XX/XX/2022 XXXX bank account numberXXXX  settled in full for {$380.00} as agreed on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Product: Credit reporting 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: VA

Complaint:
This is my multiple 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 records 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 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 XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$550.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/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 2023-03-03
Product: Checking or savings account 
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint:
PNC Bank has refused to acknowledge a recorded call that my late mother XXXX XXXX had stated on XX/XX/XXXX that none of other children are to have access to her Bank Accounts. However on XX/XX/XXXX they allowed my sister XXXX XXXX to withdraw all of her money out of her accounts despite the court ruling removing her as the Power of Attorney. And since then PNC has been vindictive against me and most recently refusing to close one of my Savings Accounts with only XXXX XXXX

Company response to consumer: Closed with explanation