hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: CA
Tags: Older American

Complaint:
I have been in constant communication with Navient agents regarding my loan status. The lost time I spoke with an agent, and the information provided was that all student loans had been placed in forbearance status until XX/XX/XXXX. Per the office of the President of the US. And so, during this loan collection forbearance period, I was working towards consolidating my loans. However, last week I received a notice from the credit bureaus informing me that Navient reported my loans as delinquent thereby dropping my XXXX XXXX from XXXX to the low XXXX. Needless to say, I immediately went into shock. 
After I recovered, on XX/XX/XXXX I called Navient and spoke with an agent, I explained the reason for the call, explained I was misinformed by Navient, and demanded that the report credit report be rescinded immediately. He was unable or unwilling to assist, thus I am reaching out to CFPB for support and assistance in order to resolve this issue. 
Thank you : XXXX XXXX, I can also be reached via Text : XXXX I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX
Tags: Servicemember

Complaint:
submitted a dispute XX/XX/2022. have not received a response from the company

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 2023-07-31
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: Synovus Bank
State: IN

Complaint:
I closed my account on XX/XX/2023. I called XX/XX/XXXX to check on my {$200.00} refund. I previously filed a complaint about this experience and completed a written request twice for the {$200.00} refund to be processed quicker than 10 weeks. On XX/XX/XXXX, a response was filed for my complaint that stated a check has already been processed ( which conflicts with information from the customer service agent when I called as he stated no checks were mailed yet as it takes 10 weeks ). I have received 2 statements following my account closure and still no check. My address has been verified and the check has not been sent to me. I would like a new {$200.00} check mailed to me immediately with proof via a tracking number or shipping confirmation that it has been sent. I am well passed 10 weeks from the time of my account closure. Calling has not provided any information as they can not access the department who sends checks. Filing complaints is the only way I have been able to receive ANY response with helpful information. All I want is for my refund to be sent immediately and I will be completely done dealing with this company. Please refund the {$200.00} and provide proof in the response to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
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: EQUIFAX, INC.
State: GA

Complaint:
I have sent out an complaint about inaccurate information that is being report on my credit report. It has been well over 30 day with no responds as an consumer under 15 USC 1681 ( a ) under the exclusion section under ( b ) anything that was extended or authorized from my credit card should be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Product: Credit reporting 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: TX

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY
Tags: Servicemember

Complaint:
This is my Fourth attempt to receive from you the requested original signed agreement of a disputed 8-year old account [ XXXX XXXX ],  letter dated XX/XX/2018. It is my understanding that I have a right to see the original signed documents of this accountnot statements, letters from the creditor or any other document that is not the signed agreement between me and the creditor ; only that document can prove fraud or ownership. 
In addition, I have repeatedly asked for this information to be mailed to my correct address as stated above. I have yet to receive any of what I have asked for, in previous communications I have proven my New York address of nearly 20 years. 
Based on several credit-pulls across all the bureaus, at least two creditorsit appears XXXX is oneis updating their accounts to mirror present day profiles in an effort to legitimize their claims, the second creditor has already been removed. The type of credit cards that are said to be mine are cards that earn frequent flyer miles and/or cash back. The very first card like those I applied for, received, and owned is my XXXX XXXX card 2-years ago. Any creditor claiming that I owned any such card more than two years ago and is NOT XXXX ; is creating and/or updating accounts to reflect my very recent credit profile. Creditors engaged in this type of behavior convey the fact that they did not meet the legal requirements for verification. 
As this is my fourth attempt I will be submitting another grievance to the Bureau of Consumer Financial Protection/ FTC-FCRA, to lay the groundwork for later legal actionif necessary. All I want is the original signed agreementthe signature, handwriting, and information entered can easily prove fraud or ownership. 
My next step will have to be to seek legal representation on this matter. Please attain the requested documents or remove this account and send an updated copy of my credit report and all responses to my request to the above addressthe only accurate address, thank you.

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 2021-01-26
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint:
Good afternoon ; My name is XXXX XXXX. I applied for a store credit card from XXXX XXXX XXXX XXXX XXXX XXXX. I bought an engagement ring. I paid cash for the setting on XX/XX/2020, in the amount of {$1700.00}. I applied for financing that night. The financing was through Comenity Bank. I was told I would receive a letter in the mail with instructions in 5 to 7 business days which I did. The letter indicated to bring in my w-2, a utility bill, drivers license and social security card which I did on XX/XX/2020. I had already paid {$880.00} as a deposit to have selected diamond sent to the store. Once I confirmed the diamond I gave another cash payment of XXXX on XX/XX/2020, bringing the balance to {$5000.00} for a diamond that cost {$7800.00}. ( Included tax ). So at that point I was going to take the financing being my credit score is over 700, 28 % debt to income ratio. Comenity bank stated in the letter to send my drivers license, social security card, utility bill and w-2 to a PO Box without a tracking number because there would be no one at a PO Box can sign for it. We called customer service who told us we can only send the Information to a PO Box . They refused to take the information by fax and do not have a secured website or portal to upload my personal and private information to. I was appalled being a licensed MLO. It is my understanding any business handling personal and private information such as social security numbers must have a secured portal to upload documents or a fax to receive the incoming items such as social security numbersdrivers license. I do not believe sending personal and private information unsecured is acceptable in any way. At that point I chose not to work Comenity Bank and feel this should be looked into to help avoid any type of fraud. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: DISCOVER BANK
State: CA
Tags: Older American

Complaint:
My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX Discover Bank and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Product: Debt collection 
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint:
On XX/XX/XXXX of this year, I received notification that a collection account had been added to my credit report by Midland Credit Management for a debt supposedly originating on XX/XX/XXXX, which was said to have been a debt they bought from XXXX XX/XX/XXXX, with whom I have never done business. XXXX XXXX  confirmed this debt referred to an inaccurate debt with XXXX that I successfully challenged in XXXX with an actual last reported date of XX/XX/XXXX, fully 10 years before the date implied on the reported account. I further learned that XXXX XXXX  bought XXXX recently and sold off this account to Midland Credit Management and had no knowledge of the XX/XX/XXXX date origination. As a result, I challenged the debt with XXXX  noting that Midland Credit Management violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ] by fabricating a non-existent account opening date with which XXXX  agreed and Midland Credit Management was forced to remove the fraudulent item from my credit report ( screenshot included ). 

I hadn't heard anything more about it until XXXX of this year when I received a threatening letter from Midland Credit Management ( also included ). In this letter, they again violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ], this time indicating the date of the debt origination to be XX/XX/XXXX. In addition to this, they have also violated Fair Debt Collection Practices Act 807 ( 5 ) by threatening me with an action they can not legally take ; in this case manifesting itself with a threat of legal action many years after the expiration of any applicable statute of limitations. 

At this point, I wrote a letter demanding they verify the debt per my legal rights and sent it via certified mail on XX/XX/XXXX ( receipt and letter included ). It has been over three months now and they have refused to answer my request thereby violating Fair Debt Collection Practices Act 809 ( b ). However, They attempted to call me again at XXXX XXXX EST and again today at XXXX XXXX EST, which they are also forbidden to do until they have responded to my request to verify the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: AR Resources, Inc.
State: FL

Complaint:
A medical account was opened after theft of my identity. AR Resources , Inc. illegally obtained this account with private health information and is also attempting to collect an alleged debt from me that I do not owe. This is false and misleading representation because I have never contracted with AR Resources , Inc. nor did I provide location information to this third party debt collector to contact me directly or indirectly. They have threatened to harm my personal reputation by illegally reporting this inaccurate and invalidated information to consumer reporting agencies if the alleged debt remains unpaid. AR Resources , Inc is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Product: Debt collection 
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MO

Complaint:
Credence Resource Management is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
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: CITIBANK, N.A.
State: OH
Tags: Older American

Complaint:
I bought a Costco membership at one of their stores on XX/XX/XXXX. Even though I have numerous credit cards I decided to apply for their specific Visa card through Citi, to get the best bang for my buck. The sales girl called them so I could give them my info. I was denied and told I would receive a letter stating why. Approximately a week later I received a letter stating that I was denied. 
This is what the letter states! 
You have filed for bankruptcy and your previous accounts with us was included in the filing. This includes any of your accounts issued by Citibank , N.A . such as Visa, Mastercard, store cards, or gas cards. 
Your previous or existing account with us has a history of late payments. This includes any of your accounts issued by Citibank , N.A . such as Visa, Mastercard, store cards, or gas cards. 
The credit privileges on your existing accounts are currently restricted. 
Please note, our decision was based in whole or in part on information in a report from the following consumer reporting agency. 
XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX I have trouble inserting things, thats why I did not send a copy. If need be, I can fax or e-mail. I contacted XXXX and they do not have a record of the application or a bankruptcy. They sent me a copy of my credit report. I have 2 other cards through Citi bank. A Master Card and a Best Buy Visa. I have never been late on any of my cards. I have spent hours trying to get to the bottom of this. Costco was on hold for such along time I told the girl to not worry about it. I have been transferred on the phone today with Citi for 3 hours, trying to find out where this false info is coming from. This is why I need your help. If Citi did this without even contacting XXXX  why would they lie about this? I am completely baffled!

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: 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint:
XXXX XXXX XXXX is holding {$4100.00} XXXX Dollars on case number XXXX. The merchant is XXXX XXXX merchant number XXXX. I made the payment using Bank of America Visa credit card on XX/XX/2023. I have opened a dispute with BOA claim ID is XXXX on XX/XX/2023. USD amount is {$3000.00}. The payment is for the rental of a condominium in XXXX XXXX. XXXX arbitrarily decided to cancel and close the merchant account without reason and demanded and received back their credit card machine. They have refused to pass the payment to the merchant, and have told the merchant they were going to hold all funds in the account for 6 months. They instructed merchant to tell me to request a refund from my CC, which I did. I have contacted BOA 4 additional times and they have not issued a credit and are taking no action to resolve the dispute. They have indicated we will need to wait 90 days to see if the merchant will not dispute the charge back. The merchant has already contacted XXXX and sent them written instructions that they will not dispute the charge back, and requested they refund the money to BOA, but they have taken no action. REQUESTED ACTION : XXXX needs to refund the credit to BOA so I can pay for the rental and access it on XX/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 explanation
Consumer complaint received 2018-12-20
Product: Debt collection 
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint:
I just received another notice from USAA which clearly shows that they have no idea of what they are doing. They are misrepresenting my second payoff check as a request to reapply the amount to my loan. It was the loan payoff check that I was forced to resubmit because their personnel could not read and match the loan number on the original check with their own loan statement payment coupon which was mailed with the original loan payment. A payment they clearly received in time to make an earlier payoff, since they returned that original check to me. Their own rejection form ( all of which has been included with my previous complaints [ # XXXX and # XXXX ] ) falsely claims the payment was rejected for missing/improper loan identification number. Their inability to admit to their own negligence with such messages is becoming a harassment. What is it going to take to straighten these people out?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation