hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint:
We make our payments early ( paying minimum due bi-monthly plus alittle extra ). All payments are received before the due date. CareCredit ( Synchony Bank ) is penalyzing us for making payments before they mail the bill out. When this happens they are charging us late fees and reporting negatively to the credit bureaus which is a predatory practice. I have never heard of being penalized for not only paying extra but paying early as well. Payments were due on the XXXX of every month and we paid on the XXXX and XXXX of the prior month. CareCredit does not have their act together and as a result the consumer is penalized. We were able to get them to refund the late charges and supposedly fix our credit reports which we will fllow-up on. They also told us that since they incapable of taking payments early that we need to make payments between when the bill is recieved and the due date. The representative could not tell us a good datew to setup our auto-pay. Additionally they kicked us off of the promotional APR with fixed payment amount because of their bogus late fee. We have another account with CareCredit which has a 0 % APR and we pay ahead on this one as well and this account never has an issue with getting late payments for paying early. This clearly tells me that CareCredit is penalyzing customers for paying early on interest accounts because it means its less interest for CareCredit to earn.

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 2022-12-05
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint:
Wells fargo bank cashed a check that was falsely endorsed by someone who isnt me. My stimulus check was sent to me, i never received it then it was cashed by someone in XX/XX/2021. The check is for {$2800.00} .Its absurd that a check would be falsely cashed and wells fargo wont catch on to it. Im beyond upset.

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 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint:
I do not have exact dates, but I called Equifax to inform them that my XXXX XXXX credit card ; as well as, my XXXX it credit card is not showing and that affects my credit score, I also called the credit card places and filed a complaint as well. There is no problems with my credit cards reporting to the other agencies only Equifax is a problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
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: TX

Complaint:
This account in the amount of {$3700.00} was placed back on my credit reports after being taken off following an investigation. XXXX XXXX XXXX purchased the account. Previously a police report was presented with this account listed as fraud. All 3 of the credit reporting agencies removed this information from my report. It has now showed up under another name. I did not authorize this account. It was obtained fraudulently and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
I have disputed information they are reporting to my credit file and they have not honored my request and have responded to me! This information is affecting my credit scores in a negative way and they are violating FCRA regulations!

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 2023-05-15
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint:
My loan is paid up to date and they keep sending collection letters and when I call the amount they say I am past due never changes and keeps dinging my credit and saying that its a problem with their system.. I have proof that its paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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: FL

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 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 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint:
Investigation did not fix error on my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
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: 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 XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 explanation
Consumer complaint received 2022-07-30
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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint:
I've been a victim of capital one data breach, I've had over 29 mortgages attempted to be get a loan in my name dozens of inquiries about me searching and applying for credit, two fraught XXXX bank accounts opened At XXXX XXXX bank I got five XXXX debits cards in one week and someone applied for a credit amcard got approved in my name, so because of this data breach, I think people have my information I've contacted tge credit unions and XXXX XXXX XXXXXXXX but how do I make it all stop I wanted to get a buisness loan to start a buisness but can't even get approved because there's so many accounts being searching for loans I get calls from a certain phone number, it's tge same prefix as mine, when I answer it they don't say nothing, so I hang up and block the call, about three minutes later, it's tge same prefix and it's just a different 4 number ending In, and they called 60 times in a house after me blocking each individual call, they will leave me messages humming in to my voicmail, I have student loans that I've never went to collage, and I can't seem to get any help nowhere and can't afford to hire someone to help, so all these data breaches I'm in apparently XXXX capital one and XXXX was the start of all this back in XX/XX/2019, and ever since then my identity and everything else went to XXXX, how are you supposed to survive in this world when 99 out of 100 people are out to get you, I don't know if you cam help but let me know whst you think I shoukd do, thanks and I'm tryingbto start a business and can't even get that so I need to know which dirrevmctiom to go, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Product: Checking or savings account 
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Tags: Older American

Complaint:
I opened an online savings account on XX/XX/2023 in the amount of {$50.00}. 

This was the second savings account I have opened. 

A week later, Truist bank locked my online account access. 

I called the number provided and spoke with several people. 

They told me I would have to travel 2,000 miles from my home to close the newly opened savings account. 

RESOLUTION Change policy and procedures to best reflect online banking and not have a customer travel outside her home/state to do business. 

This defeats the purpose of online banking.

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 2020-08-07
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: Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint:
I've recently been in contact via mail with all three of the major consumer reporting agencies as of XXXX 2020 regarding fraudulent established accounts reporting on my credit file. I have received correspondence from XXXX, but both XXXX  and Experian has not sent any updated copies of my credit report as I am entitled to under the Fair Credit Report not provided any reasonable investigation nor sent out any results from several disputes. Several addresses that I requested to be updated still remain on my credit file and its been over 60 days from my initial request. Under the Fair Credit Reporting Act this is a violation and Experian must be held accountable. I have not received any return mail so I can only assume my dispute were received and have gone un answered. I have been denied credit due to the inaccuracies currently reporting and find these negligent actions unacceptable. PLEASE BE ADVISED THIS IS NOT A REQUEST FOR VALIDATION, AT THIS POINT THESE DISPUTED ACCOUNTS MUST BE REMOVED DO TO NO RESPONSE FROM NEITHER EXPERIAN OR EQUIFAX. PLEASE DO NOT REQUEST OR DENY MY REQUEST DUE TO YOU NOT HAVING ANY ACCOUNT INFO TO GO BY SINCE I'VE ALREADY CLEARLY SENT IN A WELL DOCUMENTATED DISPUTE LETTER WITH SPECIFIC DETAILS OF ACCOUNT NAME, NUMBER, AMOUNT, AND ETC.

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 2017-06-21
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: MD

Complaint:
Hello, back in XXXX I called Chase Auto Finance to settle the remaining balance on my XXXX XXXX XXXX. Before we proceeded with the call, I was told I was on a recorded line. I talked to the representative who was handling my file. All of my files had been transferred to their credit processing center. On a previous call the representative told my husband and I that Chase was willing to settle for half of the amount owned on my auto loan in exchange for the title of the vehicle. In XXXX I called to settle gave the representative my bank account info and the money was processed out of my checking account. I took more than 30 days to receive my title for my car. To make matters worst, I check my credit report Chase did not report that my account was settled/paid. It still shows me owning a balance, and they updated my report and re-aged my account!! This is not right nor is it fair! I called to speak with them about my situation and all I got was " I do n't handle that ''. I called Chase trying to at least settle what I could afford to move on. I 'm rebuilding my credit and having this on my credit reports hurts my chances of getting approved for any future products and services. I have attached my bank statement reflecting the payment to Chase Auto Finance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
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: EdFinancial Services
State: MN
Tags: Servicemember

Complaint:
My loans were rehabilitated into a XXXX XXXX XXXX Loan over 10 years ago. I was told at that time that my loans would be eligible for discharge and/or forgiveness. I was granted a Total and XXXX XXXX XXXX approximately XXXX  years ago, but my loans were never discharged from the Consolidation Loan. The other party on the loan has been working in a low-income, PSLFXXXX XXXX for over 10 years and should have had her portion forgiven under Public Service Loan Forgiveness XXXX but she has repeatedly been denied. Every time I have inquired about the XXXX XXXX and the PSLF rejections, no one seems able to explain why any of this is happening or how to fix the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AZ

Complaint:
I will be looking for any other outlets I can report this company with. Normally, I do n't even bother writing reviews, but the service of this company is so poor that I felt obliged to. Like others, in the beginning I had received the 2 months past due warning without ever receiving information on how or where to pay, or even getting a first notice. But by far the worst part is the atrocious website they have. I am going to attempt to contact any of their managers and challenge them to take a person off the street and have them navigate the payment info on their site. Let me clearly state the flaws ; problems that any respectable company would fix immediately : 1 ) There are issues setting up recurring payments, where is does n't accept the pay date.
<P/>
2 ) If you set up a recurring payment, good luck trying to figure out how to cancel it. I had to call the representative on the phone to cancel my payment so that I could use a different bank account. And even then they made me go back to the website to fill out the new info, which was still not accepted.
<P/>
3 ) Ca n't find any billing information besides how much I have paid each month. I am an engineer, and I ca n't find my billing information on this website. Why on Earth would you not give people info like which bank they are paying from, or billing address, or anything.
<P/>
4 ) Since you ca n't see which recurring payments you have, it is possible and very easy to accidentally set up multiple recurring payments. I have been double charged because of this in the past.
<P/>
May XXXX help you if you are like the rest of us and have to deal with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint:
My XXXX lease account payments have been paid in full, But the account is still showing a balance on my report of {$1300.00}. 

This {$1300.00} is false and I have no more lease payments open on my lease

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 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}

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 2022-07-04
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint:
Signed up for aligners with XXXX XXXX XXXX, after one month my dentist advised my to cancel and return them due to dental procedure that needed to be done. I paid {$320.00} and cancelled my order. XXXX XXXX XXXX  stated once the aligners are received in there warehouse order would be completely cancelled. Later, I receive bill from AMERASSIST AR SOLUTIONS on behalf this account that was cancelled. I contacted XXXX XXXX XXXX informing them of the situation and they request my tracking number of the package they thought wasnt received and found it. they prompted AMERASSIST that the account is current and not owed. AMERASSIST til this day harasses me for payment of something they have a canceled order for. 

-This company has violated my rights from even try to even settle this account that is actually canceled and they refused to. 
-Threaten to seize property from me.

-I spoke to an employee and they said send the receipt to operations and they'll cancel it. the employee sheena ( I wont put her full name ) disregards the canceled order and is still ordering me to pay.

-I requested this company to verify the debt they dont want to.

-I requested the company stop contacting me they disregard.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation