hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2017-07-28
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: WELLS FARGO & COMPANY
State: TX
Tags: Servicemember

Complaint:
In XX/XX/2017 I used XXXX  's service to get credit reports from XXXX, XXXX and XXXX. I noticed that there was a 'negative ' account being reported. The account in question was a Wells Fargo line of credit for {$20000.00} that had a status of " Late 30 Days '', even though the account has a balance of {$0.00} and is closed. I contacted Wells Fargo and their analyst agreed it was incorrect and said she would work to get it corrected. I also opened disputes with all 3 credit bureaus. I thought the issue was resolved, but I just ordered new credit reports, and the account is still in " Late 30 Days '' status. This status has been a negative attribute on my credit report for over 2 years, I have followed the prescribed procedures, waited the 30 days the bank has by law to respond, and they have not corrected the problem. Just to be crystal clear, because the Wells analysts were confused on this point before I escalated : there were several periods over the life of the loan where it was 30 days late, but the CURRENT STATUS is PAID OFF with a BALANCE OF {$0.00}, which means that THE CURRENT STATUS CAN NOT POSSIBLY BE 30 DAYS LATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem
Company: Veros Credit, LLC
State: TX

Complaint:
I share my experiences with Veros Credit. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX phone ( XXXX ) I have had dealings with them since XX/XX/XXXX. I sent them a check on a closed account which is used for set off and adjustments. They refused the instrument. I resent the check with the same result. 
I sent them an Affidavit of Truth on XX/XX/XXXX. That did not yield any positive results, so I resubmitted on XX/XX/XXXX by certified Mail # XXXX XXXX XXXX XXXX XXXX a Notorized Notice to Cease and Desist, an Affidavit of Truth, and a Certificate of Service all of which are copied originals in my possession. 

None of this has been acknowledged by Veros Credit. My last communication from them has been a cartoonish Verification of Debt, which I did not ask for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
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: SYNCHRONY FINANCIAL
State: NC
Tags: Servicemember

Complaint:
I applied for a care credit through Synchrony bank back ion XX/XX/XXXX. At that time they started taking on some sort of fee called card security which i at no time signed up for. I called them in XXXX and last year XXXX and ask them to stop charging me for this and to cancel. Both times they said it was canceled but yet they have continued to take between XXXX and XXXX dollars out each month for this service which comes up to about XXXX bucks for at least two of the years and XXXX the first year. I am getting no where with trying to resolve this through them so that I can get my almost {$600.00} dollars back that has been stolen from me. I NEED this resolved and my money back.

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 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint:
THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX XXXX. I STARTED OR ENROLLED IN XX/XX/XXXX I WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF  SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX XXXX IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XX/XX/XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX XXXX SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS. 5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XX/XX/XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHSXX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT. 8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND 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 explanation
Consumer complaint received 2023-07-28
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan
Company: LOBEL FINANCIAL CORPORATION
State: OR
Tags: Servicemember

Complaint:
I have been asking my lender for a pay off letter for the last 2-3 months in order to sell my car to a dealership. The first time I asked was at the end of XX/XX/2023. I asked if they could email me a pay off letter. They asked why I would want that. And I said I want to sell my car and I need a pay off letter stating how much I owe on my loan. They said okay, we'll mail a letter because they are not allowed to email that kind of information. I gave them my address to send it to and never received anything. I called again in the beginning of XX/XX/2023. I asked again for the pay off letter and once again they asked what do I need a pay off letter for. I explained to them I want to sell my car, please send me a pay off letter. They updated my address and supposedly sent the letter. It is now the end of XX/XX/2023 I called them once again. I asked if they sent the letter and they said we are showing you requested it. I told them it's been almost two months and I have not received anything. I asked if they can email me it. Once again they said no. I asked to talk to a manager or supervisor the person said why, I said let me just talk to your supervisor or manager and they told me that there is no manager or supervisor in.

Also my dealer ship had called on my behalf requesting the pay off letter and one person did say they can email it, but of course only the account holder ( myself ) has to request it. But every time I ask for an email, or just mail, or request to talk to a manager or supervisor they just say no.

I could have sold my car two months ago, but they won't send me a pay off letter. It's starting to feel like they don't want me to sell my car and keep paying there interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint:
I have attached a copy of my ID to prove my identity so my case will not be close automatically. I purchased a car using XXXX XXXX for financing. The company handling the repossession in a way that made customers owe a significant amount after repossession. There has been a class-action lawsuit against the company and it was ruled ( Section 12 of Final Order ) the deficiency balance reported to credit agencies will be waived and forgiven. I provided a copy of the class-action lawsuit to XXXX, XXXX  and Transunion they still found the information on my credit report to be accurate. They are relying on information provided by XXXX XXXX instead of following the court ruling. According to the court 's ruling in the final settlement, the information is to be removed.

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 2017-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint:
XXXX / XXXX / XXXX  ... the   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  ... the   XXXX   XXXX  .  XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the   XXXX   XXXX  .  XXXX  town of   XXXX   rescue  XXXX   XXXX  the   XXXX   XXXX    XXXX  town of   XXXX   rescue  XXXX / XXXX / XXXX  ...  XXXX  the   XXXX   XXXX  .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XXXX  the   XXXX   XXXX  .  XXXX   XXXX   XXXX   XXXX  I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to The  XXXX   XXXX , all said it would be corrected and removed, due to billings clerical errors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint:
I had signed up for a monthly service from XXXX XXXX XXXX XXXX. The agreement is for them to spray inside and outside of the home, check termite bate stations and mice bate stations. I advised them that they needed to schedule all the appointments with me so I could make sure someone was available to let them into the property. This was going fine until XX/XX/2023. They took it upon themselves to charge me to a service that I never received. They said that they came and sprayed outside. However, the appointment was never scheduled, therefore no one was home, and there is no proof of any services rendered besides a bill they sent. Just to be clear them spraying outside is typically for the summer months for bugs. There is no bugs outside in the XXXX so I am not sure why they would do that. They didn't schedule the appointment therefore the inside was not sprayed, nor was the mice bate stations serviced, and I am not even confident that they actually sprayed outside the house. Once I got the bill I was upset because didn't schedule the appointment and I do not believe my home was serviced and worse case scenario properly serviced. I have never missed a payment with them or any other company for that matter but I refuse to pay for services that was not rendered which I told them that and canceled their service. 

In XXXX I received a notice from a collection agency. Kinum asking me to respond to the notice which I did and sent through certified mail on XX/XX/23 tracking number XXXX XXXX XXXX XXXX XXXX. They stated if I responded they would investigate the debt prior to trying to collect, but they did not stop. Then on XX/XX/23 i received another letter from them requesting I pay the money. They didn't respond to the certified mail at all. I called the number on the notice XXXX and entered the account number and it only refers me back to XXXX XXXX. I can not speak to anyone and I am not being heard. The bill is {$65.00} and I have nothing on my credit report because I pay all my bills on time. I do not want then trying to put false debt on my credit report. I would never skip on a bill if it is truly owed. I would never risk ruining my good credit score for {$65.00}.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX ) along with ( XXXX XXXX, XXXX ) I DO NOT HAVE A CONTRACT WITH NEITHER i they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

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 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Tags: Servicemember

Complaint:
In accordance with the Fair Credit Reporting act XX/XX/XXXX Account XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX Act. # XXXXXX/XX/XXXX XX/XX/XXXXCuAct. # XXXX, XXXX Bank XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XX/XX/XXXXAct. # XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXl XX/XX/XXXXAct. # XXXX XXXX XXXX XX/XX/XXXXBank Act. # XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company 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 2020-08-10
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: CONTRACT CALLERS INC
State: TX

Complaint:
This company is trying to collect {$110.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

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 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint:
I HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. XXXX HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR 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 2023-09-18
Product: Credit reporting 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: TX

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc.
State: TX

Complaint:
I appreciate you making the effort to update or remove some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated as soon as possible. 
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

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 2022-05-19
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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint:
My name is XXXX XXXX and Ive been with capital one for sometime now. I added my daughter XXXX XXXX as an account manager however, its not reporting to the credit bureaus if this can be updated I would really appreciate it card # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: Exeter Finance Corp.
State: NJ

Complaint:
this was a car loan made which i was a co signor. The car was later repossessed. it was then sold, and the company which is exeter finance removed it from my wifes credit but not my own after disputing many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge 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: Comerica
State: CA

Complaint:
Recently, my car got vandalized and destroyed, both of my debit cards got duplicated and fraudulent charges were performed and for one of my cards, all of the money in the account was taken. On XX/XX/22 {$720.00} was withdrawn from my directexpress account. Directexpress took so long to deliver the dispute forms, that there was no way that I could get credit in the allowed time for the transactions. There was over {$100.00} in transactions on my other card. The report I sent to the XXXX, CA Police can be viewed at XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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: PA

Complaint:
online information ser account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this account.

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