hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2019-07-13
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: DC

Complaint:
I submitted a direct debit dispute form to XXXX on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to XXXX. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XXXX XXXX, XXXX through XXXX XXXX, XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an XXXX internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an XXXX representative via the telephone. XXXX has not taken any action to remove the delinquency from the three credit reporting agencies.

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 2020-08-20
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint:
I purchased a car through Capital One auto loan financing and when I was done paying for the loan they sent a letter to the three credit bureaus that the loan was charged off it was not so I wrote them a letter on XX/XX/2019 and they told me that it was a charge off. So I got XXXX XXXX  to help me get it off my credit and they could not get it off my credit so I come to the XXXX for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
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: GA

Complaint:
XXXX XXXX XXXX  Reported : XX/XX/2019 {$200.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$380.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
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: FL

Complaint:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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: 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: FL

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint:
The car got stolen from me and all that happened is that they considered the car totaled and I wasn't given the option to get another car and was left with no car.

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 2016-11-03
Product: Debt collection 
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO

Complaint:
They call from restricted numbers. My phone does not allow this. They call from many different numbers. They use this number to call me : XXXX. I have checked my credit report and no one has taken out a credit card in my name. I do not use credit cards. They primarily deal with credit card debt or old debts. I wish for them to desist and decease from further telephone contact until they can provide me with a debt validation letter proving that they now own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees
Company: CITIBANK, N.A.
State: TN

Complaint:
I opened my Citi Credit account on XX/XX/XXXX. I qualified for a special balance transfer APR and tried to submit a balance transfer from XXXX XXXX. Upon hitting the submit button, the website told me that my request could not be completed. Since I did not have the card yet, it would not let me create an online account to try to re-submit the balance transfer. 

On XX/XX/XXXX, I received my card. At the time, there was no balance transfer completed on my account or pending. I went ahead and submitted a second balance transfer since the first one did not go through. 

I woke up to a notification on XX/XX/XXXX that BOTH balance transfers were now pending on my card. I was charged TWO balance transfer fees. I immediately contacted Citi Customer Service and was told to contact XXXX XXXX since the balance transfer was pending to stop the transfer. Citi advised if both posted to my account that they would credit back one of the fees to my account. I contacted XXXX XXXX and was told that there was no way to stop the balance transfer at this point. 

I contacted Citi again and was told to contact them once I made a payment on my account and once the fees posted. I went ahead and dropped a large sum to cover most of the balance transfer. I contacted them again and was told that the fees were still pending. I contacted them after confirming the fees have posted and today XX/XX/XXXX, I was told that all 3 previous reps have given me false information as there is no way to credit me back a balance transfer fee and that it is my fault that I submitted two balance transfers. I asked Citi to please check all the messages on my account because they have clearly communicated to me that they would credit the fees back once posted on 3 separate times. Today, Citi Bank still fails to credit back one of these fees.

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 2018-04-01
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: AK

Complaint:
I opened XXXX XXXX credit card on XX/XX/XXXX and made a purchase on the same day in the store for which I made the payment same day. I was supposed to get a permanent credit card in my mailbox which I never got and I did not activate the card. I recently pulled my credit report to find delinquency on this credit card. I found that there were payments accumulating on my XXXX XXXX XXXX XXXX but, I never made any purchase with the card after XX/XX/XXXX. As per the company, there is a transaction of {$160.00} made through my card on XX/XX/XXXX. Due to no payments for this transaction, my credit score and credit report are being spoilt. But I never made this purchase as I never activated my card. I figured this recently and filed a complaint with the credit card company on XX/XX/XXXX, but they are taking too long to sort this out. I am unable to do anything without my credit score getting back to originally what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: KS

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Product: Student loan 
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA
Tags: Servicemember

Complaint:
For sometime now, have made payments before which they state were never received, but have bank statements totaling over {$1000.00}, that I have repaid, they stated the invoice # that I had gotten from their employee were none existent, plus when I have put my loans on forburance they continue to call my harrass my co-signer, we were also miss lead about our private loan, did not know that it would be a never ending story, was ahead on payments, they kept changing my due date, how I ended behind?, then was unaware that my payments do not even make a dent on my my private loan, I am currently  XXXX  w/a   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   had a  XXXX  that   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , even after  XXXX  am   XXXX    XXXX , I have  XXXX ,  XXXX   XXXX   XXXX , constant   XXXX   XXXX  , a   XXXX   XXXX   XXXX   XXXX   XXXX   in my   XXXX   XXXX   XXXX  , I also have  XXXX  of my   XXXX   XXXX   that   XXXX   XXXX    on me @  inconvient times, I  have told the to send me paper work due to my  XXXX , they kept giving me the run around  &  wanted to have a friend who has been helping me for a while to make the payments, my co-signer also has been harassed even when I asked them not to call him during his difficult time when his wife was ill with a  XXXX   XXXX , it has been a long horrific experience, I finally got fed up & had to make a complaint, I had asked them before to look into the $ that they stated I had not paid, but had bank records of & they just kept giving me the run around as well, ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2016-01-02
Product: Debt collection 
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt
Company: CITIBANK, N.A.
State: LA

Complaint:
XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a " CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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: Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint:
I questioned a delinquent account I saw on my Trans Union credit report. My understanding was that the company XXXX XXXX XXXX was paid off with my Bankruptcy discharge in XXXX. The car was totaled and my car insurance company paid XXXX XXXX XXXX the value of the car. 
When I inquired into the delinquent account the investigation showed that I owed a {$2000.00}. balance with XXXX XXXX XXXX. Although this was a delinquent account from more than 8 years ago, Trans Union reported it as a NEW delinquent account and it dropped my FICO score in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This severe drop occurred in 1 month and I did nothing in that time to drop my score- all bills were paid on time and I had no new delinquent accounts. This XXXX point drop devastated my chances of getting a good rate on a car loan, apartment or anything that I was was building my credit for 8 years. I have been responsible and building my credit since XXXX  and I disputed the delinquent account was 8 years old, but it was newly added to my credit history and should not affect my current score. I asked to speak to someone at Trans Union and tried to dispute it but have been unsuccessful. My car insurance renewal premium increased because of my lower credit score. Because of the current high interest rates, I'm looking for options to reduce a high interest credit card, but my credit score is still a problem. 
I am requesting that the credit reporting companies treat this as a delinquent account from 8 years ago and that I have built my credit since then. I am asking that they look at my credit history since XXXX to increase my credit score to allow me to qualify for the loans at a more fair rate based on my recent credit responsibility.

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 2022-07-18
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: TN

Complaint:
I have been submitting multiple written appeals to Equifax regarding the fraudulent information being reported on my file. The last letter I sent to them was XX/XX/2022, with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. This Complaint is to follow up on my Previous Complaint last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The account listed below is the result of such crime and must be deleted immediately : DPT EDXXXX-DEPARTMENT OF EDUCATION/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Product: Debt collection 
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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 2022-07-01
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint:
COMENITY BANK has been down for over a week. Nothing works. I have payments due on the XXXX of XXXX that i always pay early to avoid interest. Due to their incompetence of having their website/phone system down. I have no way of making a payment. I cant even log in to see how much is owed. There are literally thousands of customers in the same boat if not millions who cant access their accounts. I shouldn't have to sit on my PC all day long to try to pay a bill This is having an impact on 2 store cards for me which are XXXX XXXX XXXX XXXX credit cards. I am missing out on paying less interest and now will probably be penalized by their automated system for being late since its not my fault their website and phone systems are down. You cant even reach a live person atm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA
Tags: Servicemember

Complaint:
Hi this debt is fraud - Ive already disputed and it was deleted due to fraud. The company XXXX collection was sold the debt from XXXX while XXXX knew the debt was flagged as fraud and deleted attached is the correspondence.

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 2022-01-10
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: OH

Complaint:
Equifax says they have not received any information from first federal since XX/XX/XXXX Other reporting agencies have revived the XXXX file from first federal and updated accordingly Spoke with XXXX XXXX ( XXXX ). And he says Equifax doesnt have any information from them since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: NCC Business Services, Inc.
State: GA

Complaint:
Ive repeatedly asked this credit bureau and NCC Business Services to supply me with documentation to provide to authorities. THis account was opened and established in my name in error or thru complete fraud. THis account needs to be removed from my credit file as the debt they are trying to collect does not belong to me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Product: Debt collection 
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MO

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank 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 explanation