hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2023-05-18
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: MI

Complaint:
This is my third 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 credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXX Balance : {$880.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$880.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint:
The company Credit Collection Service purchased a debt from another company and I had no involvement with this transaction. As a natural person pursuant to 15 USC 3002 I, XXXX XXXX am a consumer and am not in charge of this name in all caps. Pursuant to 15 USC 1692b2 this company has reported that I owe them {$1200.00} via the three credit reporting agencies ( XXXX XXXX and XXXX ) which is a direct violation. 15 USC 1681 states that the only ways information could be furnished in a credit report is by court order or with a consumers written consent and in this case neither was furnished. Also on XX/XX/1933 congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declaration that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment legal tender for public and private debts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint:
Experian has changed my name to a name that is not mine on my credit report without any legal documentation in that name on file. They are refusing to change it back without me submitting multiple forms of ID. And refuse to acknowledge their error.

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 2022-11-09
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: CA

Complaint:
This is my second complaint about this company. My last payment to them was in XXXX. In XXXX, I was unable to log in, my account was locked. My monthly minimum went from {$55.00} to {$220.00}. I contacted the company and they are not willing to work with me. I've been harassed with phone calls XXXX to XXXX  times a day. day and night, with XXXX call being past XXXX XXXX. I was hospitalized for most of XXXX. I have been out of work and I would really hate to see my credit score drop. I have been working hard to better myself and they are not being helpful. I was shocked that they were expecting me to pay that much considering the circumstances. My minimum payment due keeps increasing and the fees keep piling up. Instead of my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me. This account was closed. but the fees keep going up. I don't even have a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Product: Debt collection 
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Service Finance Holdings, LLC
State: CO

Complaint:
This is a reply to XXXX. 

I am simply asking for a copy of the contract for the goods and services that SFC has alleged were provided. SFC is using my credit to extort money from me for goods and services that SFC admits to not even having a contract for. I believe that someone has either falsified information for SFC to have paid the contractor for goods and services that were never completed or approved by me or SFC made a gross mistake by funding the loan for goods and services that were never provided as agreed upon.

I have contacted my local contractors board and they want to see the contract that was supplied to SFC.

All I am asking is for a detailed bill of what SFC alleges that I owe them for. The contractor should have provided a project scope and a signed off letter of completion from the home owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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: MA

Complaint:
I contacted XXXX because there is an account on my credit report that is being reported as a charge off. I asked the representative if she could tell me the name of the data furnisher and she said XXXX XXXX, now XXXX XXXX is the name of a credit card and it is not an actual company, how can a credit card name be reporting an account? According to the FCRA everything on a consumers credit report needs to be 100 % accurate without any mistakes, I want them to validate this account because I dont dont what it is and where it came from. I want this account deleted from my credit file because every single company name that I have been given starting with the original creditor arent correct, I called the original creditor which is XXXX XXXX and they told me that the account was sold to a company called XXXX XXXX XXXX, then I contacted XXXX XXXX XXXX  and they told me to contact a company called XXXX XXXX XXXX, then XXXX XXXX XXXX told me to call a company called XXXX XXXX and XXXX XXXX told me that they do not have the account with my information, I also received a letter from the original creditor telling me that the account was sold to a company called XXXX XXXX, I contacted XXXX XXXX and they do not have the account, What I would like to know is, how is it that XXXX  and the other credit bureaus Transunion and XXXX  tell me that when I disputed this account it was verified, who verified the account if none of these companies have it? and the name of the data furnisher that appears on my credit report is not a company but a credit card name? Delete this account now because it has not and cant be verified or validated.

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 2017-11-16
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: LEXISNEXIS
State: IL
Tags: Servicemember

Complaint:
XXXX XXXX, 2017, LexisNexis sent me a letter indicating they were " suppressing '' the bankruptcy record on my file maintained by them. I assume their use of the word " suppressed '' is tantamount to " deleted ''. As on this date, I have not received a resolution letter or the updated XXXX XXXX report. Additionally, LexisNexis has not stopped reporting the item in question to the credit reporting agencies. 

LexisNexis internal Case # XXXX LexisNexis Consumer #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Tags: Servicemember

Complaint:
i have tried to open accounts in the past and theres some type of fraudulent activity on my report

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 2022-08-25
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: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-04-14
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: PR

Complaint:
On XX/XX/2022 I contacted Equifax about the following negative accounts ( list the accounts ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Performance Management, LLC
State: AZ
Tags: Servicemember

Complaint:
I was first contacted by RPM ( Receivables Performance Management ) on XX/XX/2022 from the number XXXX. I verified who I was and they refused to state what company they were with, who they were, or why they were calling. I called the number back and was able to determine who they were and dealt with the individual on the phone. However, at no point did they ever inform me I had a right to dispute the debt nor did they provide any type of written communication to me ( they say my mail was returned, however I have been receiving mail at the address they verified for months with no issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Product: Checking or savings account 
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: CONST LLC
State: WI

Complaint:
The company CONST LLC also known as MyConstant  and MyconstantXXXX has suddenly shut down with no explanation to investors. CONST LLC ( MyConstant ) is a platform that operates like a XXXX  loan for peer to peer lenders to connect with cXXXX XXXX XXXX XXXX XXXX  are able to receive a USD cash loan by placing XXXX  as collateral for their loan. The loan is funded by a pool of money from USD cash investors. CONST LLC ( MyConstant ) portrayed to investors that their platform was unique because the collateral from borrowers would auto sell in the crypto market if prices fell bellow XXXX  % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. On XX/XX/XXXX the company went XXXX. They informed all website users ( www.myconstant.com ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX CA to XXXX XXXX XXXX XXXX, XXXX, DE XXXX, XXXX on XX/XX/XXXX. I personally have {$5100.00} total : {$5000.00} ( loan investments and XXXX XXXX ) principle and {$100.00} interest invested with the company. As of XX/XX/XXXX, I can login to my Myconstant account and see that the total interest earned for investors remains growing rapidly but I am still unable to make any withdraws or request changes to any of my investments. Please assist me.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-07
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint:
On XX/XX/2020 my account showed like unauthorized transactions where credited back to my account, however they never actually posted as a positive balance its like a ghost transactions. One for {$59.00}, {$19.00}, $ XXXX.I calculated the amount based on the direct deposits I received. Anytime that i get a deposit or a positive  balance I get email but no emails for these.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan
Company: AES/PHEAA
State: AR

Complaint:
XXXX I enrolled in XXXX XXXX part time. My XXXX XXXX sent my loan provider ( XXXX ) my letter stating my enrollment. XXXX XXXX XXXX  starts in XXXX. So I called asking to take my direct debit off my account. The agent I talked to suspended it instead. I still had payments coming out. I called about this, I was told they were resubmitting the documents. XX/XX/XXXX comes and I talked to XXXX ( XXXX ) and I was told I was denied half time but don't worry about it, she was resubmitting the request and I have 90 days to make my payment.I call back XX/XX/XXXX. XXXX ( XXXX ) puts in a request for deferment for direct debit to be taken off and the call was dropped. I called back and spoke with XXXX ( XXXX ) who told me I was taking 6 hours which is not part time so I was not eligible for school deferment and that was why my letter was rejected. I was told to log in to the web and re-certify based on my income right now ( which I am currently unemployed ). I called my school and was told XXXX taking 6 hours are considered 1/2 time and I was given wrong information. I called back XX/XX/XXXX and talked to XXXX ( XXXX ) and was told I signed a waiver when I worked for the XXXX XXXX XXXX XXXX and that is why my school loan forgiveness is not attaching to my account. I was told I needed to sign a form to remove the waiver from my account and he was mailing it out to me. I called today XX/XX/XXXX as I still had not gotten the waiver. I talked to XXXX XXXX who transferred me to XXXX ( XXXX ) who was very rude and condescending and let me know that no one had misinformed me of anything on my account. He continued to interrupt me when I tried to explain to him what XXXX told me was wrong ( that I WAS eligible for deferment ) and that EVERY agent missed the waiver.. he was just so rude to the point I screamed at him and hung up. I plan on looking for a new student loan service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
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: ENOVA INTERNATIONAL, INC.
State: OH

Complaint:
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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: U.S. BANCORP
State: TX

Complaint:
I applied to an auto loan today. My bank told me that US Bank submitted derogatory information onto my credit report that has affected my credit score and ability to obtain a loan with an APR that goes along with my outstanding credit history. Bank told me that US Bank charged off {$150.00} ( approximately ). It appears that this was my mothers account. She died in XXXX. Her house sold in XXXX. I received no information from the bank in the form of an email or phone call, although I'd been a customer for approximately 20 years. 

I was on the phone with the bank for over an hour. I believe they are using some kind of program for the XXXX XXXXXXXX as no one there has the ability to utilize a microwave oven, let alone deal with a customer issue. They were absolutely ZERO assistance. 

I am not responsible for this and want is 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 monetary relief
Consumer complaint received 2020-05-23
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: AmeriCollect
State: FL

Complaint:
This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. They have " picked and chose '' which credit bureaus to remove accounts. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally. This erroneous and negative information has prevented me from refinancing my home, purchasing a new home, and purchasing a family car at affordable rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Date Opened : XX/XX/04 XXXX  : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: PA

Complaint:
These accounts are fraudulent, I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report, no consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 )

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 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint:
Equifax and XXXX are reporting an incorrect filing date on the US BKPT CT  TX XXXX docket number XXXX. The correct Date Petition Filed was XX/XX/2016. ( Please see page attached from my credit report along with a copy of the filing information. ) This incorrect reporting is harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the ( 2 ) bureaus to update this however, I have not been successful.

Company response to consumer: Closed with explanation