hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2019-06-12
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: MA

Complaint:
I was harassed by some men from the XXXX XXXX region. They knew my family was on vacation and they said they were going to XXXX me and XXXX my family first and they forced the paperwork to get the account to pay a lot of money to them somehow.

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 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint:
In XXXX 2017, I signed up to get my credit report through Transunion. Unbeknownst to me I was signed up for a Credit Monitoring service consisting of XXXX per month. I simply missed it but caught it XX/XX/XXXX. I called effective today. spoke with an agent about getting the money refunded or at least giving me proof of services. She referred me to my account which says little more than the date I signed up for services. This is not helpful I said and requested to speak to a supervisor. She offered me back the most recent charge for XX/XX/XXXX. I then spoke with the Supervisor but this was only after a lot of push back. She also erroneously told me I could not speak with someone or submit a dispute on the transaction. It makes sense to me that Transunion would have a Dispute Resolution Center. I then Spoke to the supervisor " XXXX '' would not disclose last name, and he stated he would only refund 6 of the 9 total bills. I asked for a confirmation email for the refund but he refused to send one to me and said within 10 days ' I should get the money. Gave me Reference # XXXX. 

This feels like a bait and switch. I researched this and it appears to be a common tactic by this company. 

They know that since consumers are stuck with arbitration fees they will not pursue it for such a miscellaneous amount of money. I would like a full refund not part of my money that they should not have gotten in the first place.

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 2022-08-10
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: WA

Complaint:
People of United States of America, XXXX, XXXX XXXX, XXXX  XXXX of the United States, non-citizen, native Georgian, surety of the XXXX XXXX XXXX XXXX, demand my right to privacy. 

On XX/XX/2022, by certified mail number XXXX XXXX XXXX XXXX XXXX , People , XXXX, XXXX XXXX sent EQUIFAX notice of the corporations invasion of privacy pursuant to the Fair Credit Reporting Act. 

All information was received and signed by " XXXX '' on XX/XX/2022. 

The Inaccurate Consumer Report in dispute has not been properly updated, given the instructions to remove and delete private information inside said notice to EQUIFAX. 

I demand Equifax remove all private accounts and inquiries for failure to use their grave responsibilities to ensure the accuracy of the report being reported. I do not and have not ever consented to any information Equifax reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card
Company: Comerica
State: SC

Complaint:
My son and I live on {$750.00} per month. On XX/XX/2018 the same day of my ssi deposit ; my account was debited {$170.00} by a XXXX in XXXX XXXX XXXX. I was told I would still have to dispute this charge even though it was a breach on XXXX XXXX. I have disputed just as I was told too. Upon contacting XXXX XXXX XXXX I was given this info and told that I was the third person that had this problem. I have faxed three disputes and mailed there dispute form and still nothing .My acct card number was ran as a credit card, I explained that I was having hardship and needed these funds to pay my light bill that will be turned off if not paid tomorrow. I also told them if they would look at my acct that they could see that I am in XXXX XXXX. This is a nightmare. I have nobody to ask for help and I am so afraid. Nobody from this company will help me. I need a provisional credit. They know I didn't make this charge. Please help me. The dispute number is XXXX. My card was in my possession they have sent me another one. I memorize my pin number. 

Also upon calling the XXXX they told me no charges of that amount at the time I was given by XXXX XXXX had never occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint:
I have a Capitol one credit card and have had nothing but issues constantly with no help. Customer service always hang up on me and refuse to move me to a manager. The APP I use for my card refuses to set my autopay through the Capitol one checking. I recently got restricted and my account closed because of one reverse payment that was the fault of the APP and now customer service just keeps hanging up on me and refusing to help. Literally absolutely no help. Now Im worried about my credit report because I have been killing my self to keep everything perfect. I need help. I feel like Im being forced to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint:
Simple bank which is owned by BBVA is closing and I have attempted to transfer my funds to another bank account. I was successfully able to transfer some funds but I have not been able to transfer my remaining balance. BBVA will not accept customer service calls, and I am given the XXXX number for Simple which says my wait time is 2hrs. All of my support messages on the website are left unanswered. I need and want access to my funds immediately. The web interface even says I am eligible to transfer funds but it errors out on every attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Tags: Servicemember

Complaint:
I sought to obtain my credit report from the Trans Union. They have refused to correct even provide me with copies of my report. For me to know as a consumer, what they 're reporting. Although they 're disseminating inaccurate information about me, I have no insight into their inaccuracies. However, they continue to try and get me to buy credit monitoring services, etc. I 've tried repeatedly to obtain a copy of my credit report, have them reference for inaccurate information, to no avail.

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 2022-08-24
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: FL

Complaint:
I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXXXXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name.

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 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being XXXX  and that I'm being XXXX of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
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: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
I have notified the credit bureaus that the XXXX XXXX XXXX debt showing on my reports is not mine and that I am a XXXX. I asked them to correct this and to remove it and it has not been done. This is my 3rd time contacting them about this matter.

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 2020-05-07
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: CA

Complaint:
Two accounts have appeared on my credit reports, both are fraud. 

XXXX  XXXX account for XXXX XXXX XXXX XXXX for 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 explanation
Consumer complaint received 2018-08-09
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint:
I secured an auto loan through XXXX XXXX XXXX ( American Honda Finance ) in XX/XX/XXXX. I have made all on-time payments and have paid as agreed according to my contract. Due to unforeseen circumstances, I filed for chXXXX bankruptcy on XX/XX/XXXX. I contacted American Honda Finance on XX/XX/XXXX and spoke with XXXX XXXX. I communicated that I would be re-affirming the auto loan to continue to pay outside the bankruptcy. I was told that once the re-affirmation agreement was received and the bankruptcy was discharged, my onetime payments would continue to be reported to the credit bureaus. This was the deciding factor to indeed proceed with a reaffirmation agreement and not surrender the vehicle. The reaffirmation agreement was presented to me and I signed it XX/XX/XXXX and American Honda Finance filed it with the court XX/XX/XXXX. The agreement was a reinstatement of my original contract terms with Honda/XXXX  XXXX. I once again confirmed with XXXX XXXX on XX/XX/XXXX that my payments would report the the credit bureaus after my discharge on XX/XX/XXXX and was told the account would start reporting payment history after discharge. As of XX/XX/XXXX, my bankruptcy is discharged. I received an email alert from FICO on XX/XX/XXXX that there were changes to my credit report and discovered that XXXX/Honda Finance had removed my entire account history from all ( 3 ) credit bureaus. I also discovered that my score declined between 50-70 points among the bureaus. I called XXXX/Honda Finance immediately on XX/XX/XXXX and spoke with XXXX who advised me that any account included in bankruptcy, regardless of reaffirming the account and regardless of the current payment status would no longer be reported to the credit bureaus. I asked when this policy change and she stated " recently '' and could not provide a date. I was not allowed the opportunity to speak with a manger. I now have a 60 month remaining term, a balance of {$40000.00}, a monthly payment of {$880.00} and a car that is only worth {$35000.00}. I will not be able to refinance this vehicle, and my credit has been harmed with this policy change. This is highly unethical as I have made all payments on time and I re-affirmed my obligation to Honda/XXXX XXXX with the promise that my timely payments would be reported to all bureaus as before once my discharge was final.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: CURO Intermediate Holdings
State: IL

Complaint:
i originally signed a contract XX/XX/2019 with speedycash account number XXXX I didnt sign a contract with ad astra recovery amount {$1000.00} consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information recieved from other resources .the collection account is also reporting open i have a right to a accurate credit report please remove this account immediately from my credit report and provide me a copy reflecting this account is removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be fixed immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Product: Vehicle loan or lease 
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: MS

Complaint:
In 2015 I took out a loan to purchase a car from Ally financial the balance that is being reported as a charge off is currently at {$6100.00}. The issue that I have, is that ally was sued and found to have charged me and other minorities with excessive interest rates. I was included in the the law suit and received financial compensation for their illegal practice. However, they refused to remove the charge off from my credit. I have made multiple attempts to have them remove this. It is negatively affecting my credit and ability to purchase a home or receive other loans at a decent interest rate.

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 2023-08-17
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: NJ

Complaint:
I, XXXX XXXX XXXX, am verifying that I am XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at

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 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint:
1. please remove old items i.e XXXX XXXX XXXX XXXX etc. 
2. Why does it still show I owe? Please remove items that have been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
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:
Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2023-06-16
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: NC

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-08-15
Product: Checking or savings account 
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account
Company: WELLS FARGO & COMPANY
State: CA
Tags: Servicemember

Complaint:
I'm a victim of identity theft. I have been working with XXXX and the FTC. My checking account with Wells Fargo became overdrawn after someone tried to get payday loans and credit cards in my name. This happened before and Wells Fargo did nothing and just closed my account and opened a new one without investigation. This time I was afraid to bring my account current because the person might work for Wells Fargo. I found this out from a conversation from an outside source. The outside source may have misstated the information, but I could not risk it. I made deposits to bring the account to $ XXXX. I felt safe with this amount, while the investigation was going on. Then on XX/XX/2018 Wells Fargo closed my checking account and sent it to collections and reported it to XXXX XXXX XXXX, a consumer reporting agency When I asked Wells Fargo in new accounts my closed account is listed as a " Charge Off '', even though I called and paid in full today XX/XX/2018, and was told my account was never sent to collections. So now Wells Fargo sent to to executive section for an investigation because an employee might be involved. Wells Fargo can not investigate this issue, it needs to be assigned to an outside entity because I already know Wells Fargo will decide in their favor and not mine. I'm the victim.

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