hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2023-01-11
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Mercari, Inc.
State: NY

Complaint:
Illegal cancellation of orders User ID : XXXX I have sold XXXX items on this selling platform, and I have already shipped those itemes to the buyer, but the Mercari platform illegally cancelled my entire order. I can't receive the payment ( XXXX $ ), I demand the mericari platform to compensate me for my loss!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit card 
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint:
WELLS FARGO claimed they emailed my monthly statement. I have no record of receiving it. This is not the first time this has happened. The last time they agreed to waive the LATE FEE and interest. This time they said it could not be done.

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 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint:
Denied credit due to inaccurate information on credit report. Unauthorized use of credit being reported. 
15US 1684 15US 602 A 15US604 15US1681 15US1692C

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 2023-08-13
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint:
In accordance with the Fair Credit Reporting act Jefferson capital systems LLC 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 an account without my written instructions. I am a victim of identity theft. I am disputing this debt because this is not my debt as I am a victim of identity theft. I I request Jefferson capital system send me records stating the collection of this debt is mine, the balance, the complete payment history the charge off of the original creditor a copy of the contract Evidencing that this agreement is my debt as I was a victim of identity theft.I have filed a police report. I also have filed a identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: EQUIFAX, INC.
State: NY

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
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: MD

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Tags: Servicemember

Complaint:
I pulled my credit report and discovered accounts and activity that was inaccurate and or unauthorized. I notified this company to make them aware of my status of identity theft as well as sent them a police report and they have not made the necessary deletions and updates to protect my name and credit status. I am a XXXX, retired XXXX XXXX veteran and I am trying to get and keep my credit worthy status back and intact.

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 2017-07-28
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: CO

Complaint:
On XXXX 2017 I consolidate my federal student loans with Navient, while working on that, Navient informed me that I did n't have to make any payments on any of my loans and that I was only to make the payment towards the consolidate loans, hence I stopped making the payments towards my private student loan with Navient, in XXXX Navient contacts me to tell me that my private student loans are in delinquency and they are calling to collect the money. I told Navient that I was n't aware of that and that I was under the understanding that all my loans had been consolidate into one payment, including federal and private student loans, Navient admitted to have given me the wrong information and the reason they did that was because their federal and private systems do n't communicate with each other. Now Navient wants me to settle my account, however due to the delinquency that appears on my credit score, I have n't been able to get a lender, even with a co-signer. Navient is not willing to work around this, even thou they created obstacles to repayment by providing bad information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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: FL

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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: Affirm Holdings, Inc
State: GA

Complaint:
To Whom It May Concern : This letter is to formally advise you that this debt was settled and a paid-for deletion was processed through true accord. True accord is a third-party collection agency that represented Affirm. This debt was paid in full for a full deletion through an associate by the name of XXXX. All phone calls were recorded and monitored through the company. I am asking for a full deletion off of my credit report. Attached is a report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
I got an alert of a new address tied to a closed account alert from XXXX. I have PROTECT MY ID, XXXX, < XXXX XXXX and my XXXX, XXXX, XXXX, TRANSUNION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX accounts files frozen. I HAVE OPTED OUT OF PRE-SCREENING, I called XXXX several times to ask them to correct my personal information because its incorrect, they have stated several times that they can not remove the incorrect information because a creditor reported it and that I supplied it to the creditor. I DID NOT ... .I gave them a copy of my drivers license, and let them know that my auto loan has my correct and only address that I have not changed, they still will not correct it. Now TRANSUNION is reporting this same incorrect addresses. PLEASE KEEP IN MIND, I HAVE EVERYTHING UNDER A LEGISLATIVE FREEZE.

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 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint:
So I reached out to all three credit bureaus requesting that they send me information that verifies the bankruptcy. I also submitted a letter from the courts stating that they do not verify bankruptcies to anyone or any companies. Credit bureaus refuse to remove the public record information for my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint:
My driver license was stolen and someone from a different state tried to cash a check with my license. It was at a Huntington bank witch I do have. They did not cash the check. But did notify me and adviced me to report it witch I did. And she sent me this web site to add to also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Product: Credit card 
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem
Company: SYNCHRONY FINANCIAL
State: TX
Tags: Servicemember

Complaint:
I used my Synchrony HOME Credit Card at XXXX to purchase a mattress and adjustable base. I charged XXXX on the card. I paid XXXX XXXX dollars on the card. I returned the mattress and adjustable base to XXXX. I called Synchrony on XX/XX/XXXX to get my XXXX dollars back. I was told a refund check would be issued. I looked online at the activity on my card. A refund check was supposedly sent on XX/XX/XXXX. I did not receive my check by the XXXX of XXXX so I called back and was told to wait 7 more days. I waited until today and I havent received my check yet.

Company response to consumer: In progress
Consumer complaint received 2022-06-28
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: Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint:
My dispute is with a Wells Fargo ( WF ) credit card. I established my WF account when I was XXXX XXXX XXXX and was a customer for nearly 8 years without complaint. In XX/XX/2020 I went in to a local branch in XXXX, FL with the intention of canceling my credit card with WF. I paid approximately XXXX dollars to close the account out with a XXXX dollar balance and closed both my checking and saving account and moved my primary credit card over to XXXX XXXX. About 8 months later, an apartment renter 's insurance company charged my WF card for about XXXX dollars for yearly renters insurance. I was assured that my WF card was closed when I went in originally in XXXX and as such, WF should not have been able to process the charge 8 months later.

Now, nearly a year and a half later I am still getting charged for this fraudulent use of my card for which the account was closed out in full and should not have been able to be charged in the first place. this has ruined my credit score, my other credit accounts have had their credit limits reduced due to this mistake and I am continuously being harassed to pay back WF over XXXX dollars in late fees. I have tried reaching out to WF multiple times and they have not resolved this issue. This is affecting my life years later and I demand that my credit score be restored to its original score in the 720+ range.

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 2023-09-11
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: EQUIFAX, INC.
State: FL
Tags: Servicemember

Complaint:
In accordance with the Fair Credit Reporting Act this creditor XXXX has violated my Rights, under Act 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15. Act 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. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: CA

Complaint:
This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
: 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 Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2023-03-23
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: CA

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account below from my report : XXXX XXXX Date Opened XX/XX/2022 XXXX : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Product: Debt collection 
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Consumer Financial Services
State: FL
Tags: Older American

Complaint:
I purchased a XXXX XXXX XXXX XXXX van from XXXX XXXX in XXXX XXXX XXXX, Fl. in 2014 as my other car was in disrepair, I am a single senior female and lived far from a town. I also wanted to improve my credit score, so CHOSE to pay half the amount down and finance the rest at 24 % interest, intending to pay payments for six months and then pay it off. I test drove the van a couple times and all seemed to be o.k. 

Within 2 days after purchase, it developed a severe jerk in shifting from 1st to 2nd gear and the electrical system began having issues. Lights flickering, seats not working, tailgate would not open. I immediately contacted XXXX XXXX and the owner said he would either fix it or trade it for a comparable vehicle. In the meantime, trying to work this out, I made all my payments on time as promised, showing due diligence on my part. 

He set up an appointment with a mechanic, I went to said appointment and was told they were slammed and could not help me which I found odd. I then took it to XXXX XXXX myself and was told it would need to have the transmission rebuilt. XXXX XXXX refused to pay it. I then requested he exchange it for another vehicle as he said he would do. When I went down there, 100 miles round trip, he showed me only one and then said it would require {$1500.00} more down and the payments would increase. As I live on a limited income I could not do this. I called Consumer Finance who it was financed through and they were less sympathetic than the seller. I shortly after found many complaints from others who had been taken by this auto dealer using this same finance company. 

A man from consumer finance called me, was VERY rude, threatened me with suing me. I informed him that I was the one who was being ripped off. So, it went on my credit making it worse than before and that was the reason that I did not pay the whole amount which I could have done. 

I acted in an honest, diligent, responsible manner which I can not say about the seller or finance company. This should come off my credit report with all bureaus as NOONE should be expected to pay for something so severely misrepresented!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MI

Complaint:
I noticed that there were charges from XXXX XXXX that were supposed to be refunded as I returned all the products in store, and then they shipped two items which I never received and they were supposed to refund. I showed all my proof showing it was refunded on the site but it never was on my card and they said the charges were right. So Im extremely upset that they never refunded me even though I returned the products and Ive seen countless complaints towards XXXX XXXX about them not actually refunding and now Im out of money because Discover didnt even look at my uploaded documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
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: NJ

Complaint:
In accordance with the fair credit reporting act convergent XXXX  XXXX XXXX. Act # 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
Consumer complaint received 2020-02-19
Product: Debt collection 
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC
State: CO

Complaint:
Machol & Johannes , LLC put a levy against my bank account without serving me on the suit. I was never once contacted by them, even though they claim the attempted to serve me multiple times. I travel for work and between that and other obligations I am rarely home. They claimed I received the papers on XX/XX/XXXX but I never once spoke to a person, received notice or even mail from them. 

They have frozen the funds in my bank account ( {$1900.00} ) all of the money I have to pay my bills and live. 

They email they had given me is returning as blocked, when I was trying to reach out to the company to provide all the documentation and paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation