hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2018-06-05
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: Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint:
this is outragous that american express will not notify or send any correspondence regarding a {$2.00} payment that still showed as open even after i had paid the account in full. 
they have never contacted me and reported the account delinquent 30 days even though it was closed. 
i have paid the remaining balance of {$2.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Capio Partners, LLC
State: TX
Tags: Older American, Servicemember

Complaint:
I was referred outside of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, contact number XXXX. XXXX XXXX was to invoice XXXX  with preauthorized code for outsourced fee base reimbursement. ( XXXX  patient, myself, not responsible XXXX XXXX XXXX accepted assignment for care and refused to file to XXXX. Received invoice for {$2000.00} which I disputed. No response from XXXX XXXX. They have no placed this amount with XXXX XXXX collection agency, AssetCare, assigned ACCT # XXXX and their phone number is XXXX. I have called to dispute and asked to call XXXX XXXX directly to dispute. This is not a debt I am responsible for and XXXX XXXX and their collection agency refuse to assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Global Lending Services LLC
State: IL

Complaint:
I have a loan for a vehicle that i have never had along with an address that i have never resided in.The amount for the vehicle was around {$18000.00} and the amount that it says is delinquent is around {$9800.00} The lender is Global lending

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received
Company: CCS Financial Services, Inc.
State: GA

Complaint:
Credit Collection Services ( CCCS ) appeared on my credit report. This debt is coming from XXXX XXXX. I have n't been given the chance to dispute as each call received or made to this creditor the representatives are only interested in me paying balance. I have tried to discuss and advise them I do not understand why I owe balance and the reply is always " this debt is non negotiable and this is the amount needed to be paid ''. I do not feel I owe XXXX this balance as I inquired a new, different policy within few days after my due date. This collection agency has ruined my credibility. I feel victimized and helpless.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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: GA

Complaint:
I recently made a report. I have spoken with the creditors and all three credit bureaus. In regards to this matter. On XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I have XXXX XXXX XXXX. I was in the process of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I was transferred to XXXX XXXX XXXX XXXX. In XXXX I was being XXXX to go home they were setting up my in XXXX XXXX XXXX and XXXX XXXX and found out my Medicare had been cut off. I contacted social security whom advised it was due to work credits. Well I hadn't worked so they did their investigation and sure enough someone had a job in my name. The company stated that it was a remote position was remote and all documents were sent to them via email. This made me check my credit and it also had been used. Not just mine but my husband and daughter. Im still trying to figure out my other kids. My husband believes it was the movers because my little red folder couldn't be found. My husband said he didn't have time to worry about it at the time he just obtained all new docs for everyone. This is hurting us my XXXX and insurance has been comprimised all because someone chose to use my identity. We have filled a police and FTC report. We are waiting on the police report to complete but. I will attach the FTC reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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: GA

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 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 of 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 knows 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 2023-06-25
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: Bread Financial Holdings, Inc.
State: MO

Complaint:
I have always payed my payment early. I have been paying extra payments. So that my loan is payed off. And was considering having more dental work once loan payed off. I have payed a total of XXXX payments for the month of XX/XX/2023. I looked online and it stated Im late for XXXX when i have payed triple payments for XXXX. This needs corrected. This could affect my credit score. I would like to buy my dream home. And this could affect me achieving my goal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither 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 accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: GA

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # 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 non-monetary relief
Consumer complaint received 2023-06-20
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: WA

Complaint:
Recently, when I checked my credit score on my banking website, I noticed that my credit score had gone from a score of XXXX down XXXX points to XXXX. I looked at why this had happened, and I noticed that a credit inquiry was made on XX/XX/2023 from XXXX XXXX XXXX. I did not apply for this credit card. When I called XXXX XXXX, they were able to identify an application made under my name, XXXX XXXX, but they had marked it 'suspected of fraud ' and didn't proceed with the application. They sent me a letter stating that the application was fraudulent and they were withdrawing the application. I asked them how to get this off my credit report and they directed me to file an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
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: Experian Information Solutions Inc.
State: GA

Complaint:
Dear Federal DIC ( FDIC ) : XXXX, XXXX XXXX XXXX XXXX, XXXX  ( headquartered in XXXX and XXXX Alabama ) IS NOT IN COMPORTMENT WITH REGULATION E.

( 1 ) I FILED A DISPUTE on XX/XX/2020 ( SUNDAY ) to facilitate A CHARGEBACK to XXXX XXXX located at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) in the amount of {$840.00} ( {$590.00} directly charged to XXXX debit card ) because XXXX XXXX committed FRAUD AND THEFT BY DECEPTION AND THEN BECAME MENANCING. The XXXX Georgia ( ZONE 2 Cops ) were notified and A POLICE REPORT FILED ( XXXX ). XXXX XXXX and XXXX have been issued a notice to CEASE AND DESIST LETTER for annoying and harassing email and telephone calls. XXXX bank is refusing to issue the REFUND NOR ( AT THE LEAST ) A PROVISIONAL CREDIT TO MY XXXX ACCOUNT PURSUANT TO REGULATION E. I REQUIRE MY MONEY AND ALL STEPS HAVE BEEN TAKEN FOR XXXX TO ISSUE A CREDIT OF {$840.00}. XXXX IS NOT IN COMPORTMENT WITH REGULATION E AND IS REFUSING TO ISSUE A PROVISIONAL CREDIT. I NEED ALL MY MONEY.

( 2 ) XXXX HAS ISSUED THE {$250.00} PROMOTIONAL INCENTIVE. 

XXXX IS FACILITATING RANDOM ACTS OF FRAUD TO BE COMMITTED ON MY XXXX ACCOUNTS ( WHICH ARE IN EXCELLENT STANDING ) AND I AM ENCOUNTERING THE INCONVENIENCE DUE TO BBVAS LACK OF ACKNOWLEDGEMENT TO UNITED STATES FEDERAL REGULATIONS AND XXXX INCREDULOUS LACK OF EFFORT IN HOLDING THE CRIMINAL MERCHANTS ACCOUNTABLE.

Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : 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 2021-08-25
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: NM

Complaint:
I reached out to the credit bureaus of XXXX, Trans Union, and XXXX in XXXX, XXXX, and XXXX. I specifically asked for verification of the accounts involved, and I received no proof or explanation as of why the accounts came back verified as accurate all three times. Each month, the account amounts are being updated, and show as different amounts from each bureau.

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 2019-05-06
Product: Debt collection 
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA

Complaint:
MAN CALLED MY JOB, FROM XXXX, IDENTIFIED HIMSELF AS XXXX XXXX (? ). ASKED FOR ME BY NAME, I ADVISED YES, I ASKED FOR A PHONE NUMBER, HE STATED HE DONT HAVE A CALL BACK NUMBER. I TOLD HIM NOT TO CALL ME AGAIN, HE ASKED " ARE YOU NOT ALLOWED CALLS AT WORK? '' I TOLD HIM AGAIN TO NOT CALL ME, HE SAID IF I CANT IDENTIFY MYSELF HE CANT NOTATE " NO CALLS '' AND HER TERMED THE CALL. WOULD NOT GIVE COMPANY NAME, JUST SAID XXXX XXXX (? ) ON A RECORDED LINE. 

FDCPA VIOLATION NO CALL WARNING SHOULD HAVE BEEN PLACED AS SOON AS I STATED NOT TO CALL. 
DID NOT IDENTIFY THE COMPANY WOULD NOT PROVIDE A CALL BACK NUMBER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
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: MI
Tags: Servicemember

Complaint:
The following companies have inquiries on my credit report that I did not authorize, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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: AL

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
I urgently request you to promptly update my account to accurately reflect my payment history.

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 2023-07-12
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: TX

Complaint:
I did not authorize the following inquiries XXXX XXXX XXXX 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 2016-04-14
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: I.C. System, Inc.
State: WV

Complaint:
My current credit report has a collection item from IC Systems XXXX XXXX XXXX XXXX XXXX MN XXXX Account XXXX Original creditor XXXX XXXX this account has been on my credit report as far back as a copy I have from XX/XX/XXXX. The date listed is XX/XX/XXXX as collection date. I disputed this item and won, this item was removed However it keeps reappearing on all XXXX credit reports. I would like to have this item removed permanently. I am trying to repair my credit is there is no need for this company to keep adding a false item to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: OH

Complaint:
Today. XX/XX/2022, I contacted GM Financial to make a payment on my new vehicle loan. The past due balance was more than it should have been. I reached out to a customer advocate to pay a payment of {$540.00} online. I just paid over {$900.00} on XX/XX/XXXX to become current. They did not correct the amount that was past due, and ignored my request. They went straight to asking me when I could pay. 
Also, today I addressed my concern with the negative effects with marking late on every month, which was not correct, on my credit, which I have paid and made payment arrangements. I was also ignored for my request to fix my credit report. GM has completely destroyed my credit and my ability to refinance or trade in my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Nelnet, Inc.
State: SC

Complaint:
Ive tried calling the college and nothing it was the group home I was in when I was a teenager, they applied to the college without my knowledge and tried to get me out of their care as soon as I turned XXXX, I went to a different college at the same time I supposedly went to the college the charges are coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint:
I am forwarding the previous email for this matter. This has to be corrected for all 4 credit bureaus once completed correctly. This chaos started as a result of a simple error in XX/XX/2021. Although XXXX payment was received 3 days past my due date of the XXXX and was received XX/XX/XXXX. XXXX payment was reported late and I asked for it to be reviewed as I have 28 days grace period. Lastly, years of payment history of prior mortgage holder late fees are all transferred to my credit file when I assumed the loan. I assumed the loan not anyone else 's negative credit. 
If this matter persist and continue past the dispute deadline date. 
I informed the XXXX that I will discuss the details pertaining to the unfair mortgage practices. XXXX has included blatant, useless, derogatory credit information on my file. I asked for the information to remove the unnecessary late fee amount that has accrued though outage life of the loan. These unfair handling of credit reporting or lack there of responding to dispute are hindering my credit worthiness. This halted my life for one year where I could refinance, obtain a XXXX loan, or make improvements using equity where necessary. My credit score has plummeted from a XXXX to mid 600 's as a result of this error as it was referred to. Documenting me as paying 10 payments or 20 late payments puts me in a very high credit risk category.

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 2017-06-20
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Midwest Recovery Systems
State: NY

Complaint:
Midwest Recovery Systems is reporting to my credit reports that I owe {$370.00} for a XXXX XXXX XXXX XXXX membership I never had as of XXXX XXXX, XXXX. This debt is not mine and I want them to remove their reporting from all of my credit reports. I have sent them two letters in the past 30 days ( the first letter was sent on XXXX XXXX, XXXX ) and they have not responded. I have also filed a complaint with the Better Business Bureau against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: IL

Complaint:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: In progress
Consumer complaint received 2020-10-08
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: MD

Complaint:
I am a victim of identity theft, I never authorized any of these accounts. These accounts hurting my credit score and I being victimized by the bureaus.

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