hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2023-02-08
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay
Company: Imperial Recovery Consultants, LLC
State: OH

Complaint:
( 1 ) XXXX to XXXX - IRC Services called 6 times concerning a XXXX Loan I received in XX/XX/2014 for {$540.00}. 

( 2 ) This Debt was formally Discharged in Bankruptcy XXXX # XXXX on XXXX. 

( 3 ) IRC Services called all six times from the following number : XXXX ( 4 ) Upon finally reaching me, The first IRC agent Iidentified himself as an officer from the Financial Crimes Division of the XXXX XXXX XXXX 's Dept. He then proceeded to give me his Badge number for my records. He told me that I presented a fraudulent check for payment on a PAYDAY loan in XXXX. He informed me that the case would be presented to The XXXX XXXX XXXX XXXX for felony indicment. 

( 5 ) He also told me that I could prevent the indictment if I agreed to pay the debt in full. He said that he did not want me to get a criminal record or go to jail.

( 6 ) He transferred me to his boss, XXXX XXXX who also provided me a badge number. He told me that he could hold the indictment if I paid the debt in full over the phone. I told him that the Debt was discharged in bankruptcy but he insissted that bankruptcy did not protect me from criminal charges becuse I bounced a fraudulent charges. He assured me that he was presenting the case to the XXXX XXXX XXXX XXXX if I refused to pay in full. 

( 7 ) I replied that I wanted to call my Bankruptcy attorney and XXXX XXXX told me that he was presenting the case to the XXXX XXXX Prosecutor for charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
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: EQUIFAX, INC.
State: GA
Tags: Older American, Servicemember

Complaint:
The credit reporting agency is reporting my home mortgage as an installment loan rather than a mortgage, is listing credit inquiries that have gone past the period they should remain on my report and should be dropped. In both cases, the inaccurate reporting has lowered my my credit score considerably ( approximately  XXXX  points  ).  In the case of reporting my mortgage as an installment loan, potential creditors have denied application for credit citing large installment loan balance. My home lender has called the reporting agency, written letters, I have disputed the entry as inaccurate which remains in dispute and the reporting agency has not corrected the inaccurate entry. In the case of the credit inquiries that should be dropped from my report has given potential lenders the excessive inquiries and has reflected negatively on their decisions for credit and cited as a reason for denying credit.   With another credit reporting agency accurately reporting Mortgage and credit inquiries my credit score is around  XXXX  points higher and has yielded favorable decisions for credit or limit increases. I have no collections, no default loans, 100 % good payment history and my score and credit rating and inaccurate entries reported by this agency unfairly causes negative or adverse decisions by potential lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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

Complaint:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

I am attaching all the documentation that was submitted to all 3 bureaus ... ..none of the items were investigated or blocked and removed within the 4 day window to block and or remove per the Identity Theft Affidavit submitted or the 30 days allowed to investigate and therefore all the items listed in the attached documents by law should be deleted immediately.

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 2023-03-09
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: EQUIFAX, INC.
State: GA

Complaint:
I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and an erroneous late payment posted on my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX The company is in clear violation of the law, Under 15 USC 168 1b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I DID NOT EXTEND WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 3 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Moreover, the funds for my mortgage payment were available in my account on the day the mortgage was due, however the bank did not process the mortgage payment the same day the money was available causing a late payment. The automatic payment was processed 1 day after the funds were available. This caused a late payment to be reported on my credit report, and negatively impacted my credit. I have attempted to resolve this with the mortgage company and the credit reporting agencies, with no reasonable consideration to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint:
I have contacted this company numerous time no reply... I have XXXX credit and they are sending me mail stating I owe them for a XXXX XXXX I pay for everything up front .. Ive wrote them 5 times asking them to send me proof no reply this is not acceptable. I never received to explanation only a collection letter that's it in the amount of {$280.00} collection agency CONVERGENT OUTSOURCING INC # XXXX COVERGENT ACCT # 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 2023-01-10
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: CA

Complaint:
I have a loan with DEPT OF EDUCATION / XXXX. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and Id like remedied ASAP. 
DPT EDXXXXXXXX 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 2021-06-02
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: LEXISNEXIS
State: MI

Complaint:
I have disputed this fradulent public record numerous times with the credit bureaus. XXXX  and XXXX  refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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: NC

Complaint:
Transunion reported that XXXX pulled my credit back in XXXX. I did not apply for any credit with this company or give authorization to pull my credit. This was fraudulent activity which I promptly reported and requested deletion. To my surprise when I receive my credit report I see that XXXX inquiry and 3rd party information on my credit report. I want this fraudulent inquiry removed as well as supplemental 3rd party information removed. I also want to know how they got my SS # and information and where it come from. I want the written documentation it came from, digital files, or temples sources to file police reports and send to FTC. The email address the was previously provided is obviously not mine and a fake address. I demand all information related to this inquiry. I don't have accounts with XXXX which has already been verified and they where told to delete the fraudulent information off my report in a letter received. XXXX and XXXX  should both be fined for there practices and fraudulent activity. Additional supporting documentation has been attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are keeping to be established as correct. Be sure to generate with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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 2022-02-04
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint:
On XX/XX/2022, at XXXX am, I consumer XXXX XXXX, contacted NAVY FEDERAL to obtain the form so I may exercise my right to rescind. XXXX, a supervisor at NAVY FEDERAL, whom failed to provide his employee id, failed to provide me with the form, in accordance with regulations of the Bureau. Pursuant to 15 USC 1635, it states we have the right of recession in the case of ANY consumer credit transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint:
Thank you : The items in dispute appear on my trans union credit report. Under collections they have two items listed from XXXX XXXX XXXX the collection agency for XX/XX/XXXX. I have had the same job for 25 years and use XX/XX/XXXX for my children. for this time period there were dozens of bills paid before and after these bills. As i have told them over and over THEY BILLED IT INCORRECTLY and therefore the insurance company wont pay the bill. 
This was totally their fault they waited to long and are Now fighting to have the bills paid But are being declined for untimely filing according to My insurance company XXXX XXXX. 

I have continually asked Trans union them to remove this from my credit report and asked XX/XX/XXXX and XX/XX/XXXX to remove it from collections but have had no success. This is costing me money at this point and Im hoping to get some relief from this complaint

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 2022-10-01
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: EQUIFAX, INC.
State: NC

Complaint:
The attached account reporting on my credit profile is incomplete. Per the FCRA, only accurate and complete verifiable information can be reported. The attached account is in violation of the FCRA and must be deleted immediately. I have written to Equifax on XX/XX/22, XX/XX/22, and XX/XX/22 with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
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: TX
Tags: Servicemember

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 15USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CO
Tags: Older American

Complaint:
On XXXX/XXXX/XXXX, two years ago we bought a television at Best Buy, purchased as a promotion with no interest for two years on a XXXX XXXX Without much thought, we used the same card with its available credit for other purchases. When the promo period ended, XXXX XXXX, the deferred interest charge of {$720.00} had been applied to the amount due. Upon further research, at no time after other purchases had been made, were monthly payments or a portion of payment applied to the original purchase, only the subsequent purchases. If this interest is not paid in-full this month, it deems our account over the limit and will incur a fee of {$37.00}

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 2018-04-18
Product: Checking or savings account 
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint:
Back in XX/XX/2016, I ( XXXX XXXX ) have tried on numerous occasions ( thru the attached documentation ) to explain to bank of America, that my prior checking account had received fake checks deposited that do not bear my signature or identification, but have been unable to get this information resolved ; I had misplaced my debit card. 

Please see the attached information. 


Thank you, 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 2022-05-19
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint:
On Friday, XX/XX/2022, and Friday, XX/XX/2022, I received two identical text messages from an unknown phone number, ( XXXX ) XXXX, claiming to be the CBE Group. 

In these messages, they told me to contact them at ( XXXX ) XXXX or paycbe.com. They provided no context on what sort of debt they are trying to collect, no statement with balances, and no identification of my name in their messages. They also did not provide a physical address that I could reach out to via mail. On top of all this, nowhere could I find these numbers to be associated with the CBE Group on the Internet. I did report this as spam to my cell phone provider the first time receiving this, only to be contacted once again. 

Normally, I would be skeptical of these messages, but I am aware that CBE Group is a legitimate debt collection agency that partners with the IRS. Additionally, the XXXX area code of this phone number seems to match that of the CBE Group 's headquarters. 

When I checked my profile on the IRS website, it stated that I do not have any debt owed. I'm not sure if whether this text was sent by mistake or with malice. Since I don't recognize this number, I do not feel comfortable replying by text or calling them back. However, I also do not want them to falsely report me to credit bureaus for debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint:
A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated XXXX XXXX XXXX and Common Wealth Financial System are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint:
Toyota financial made my credit drop on a Sunday afternoon 165 pts Toyota financial claims they received a signed contract on XX/XX/2021 the account number is different from what I was given and the company was thru Toyota motor credit Corp that has a different address. He interest rates are different the amounts are different and the flash drive I was given for my copy was blank. The contract that Toyota financial sent consumer financial protection bureau on my first complaint on this was complete fraud. Saying they received signed contract on XX/XX/2021. When if you read the bottom. Of every page in fine print the contract was signed and completed on XX/XX/2021 @ XXXX. ( 14 days after they extended credit to someone I signed a contract with very different numbers ) I came to dealership pre approved with another lender and all of the numbers were different on My contract I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
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: Experian Information Solutions Inc.
State: CT
Tags: Older American

Complaint:
I received a second credit card from XXXX XXXX. Upon receiving the card I filed it away. Several months later, I received an e-mail from Experian Credit Service which I subscribe to alerting me that a 60 day late was reported to my credit report. Upon investigating this I discover it was fees being charged on the new XXXX card which was never used. I then called XXXX and I was told the card was issued paperless billing and I never received an e-mail from XXXX which they acknowledged and I was credited back late fees. I have attached a copy of the recent statement which displays the credit. 

I then asked XXXX to removed the 60 day late since it hurt my credit rating. They told me their was nothing they could do and I would have to file disputed with the three bureaus. I began with Experian since I have an account with them. I could barely understand the person I talked to. I then went to XXXX and XXXX websites which turned out to be traps to join their service before I could submit a dispute. 

I then called XXXX back and it was clear the person I was speaking to 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 2023-07-19
Product: Checking or savings account 
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Tags: Servicemember

Complaint:
On XX/XX/2023 got an offer in the mail for a pre-approval from capital one, when I went online and filled everything out it was an error in the system that caused the page to go down. When I called in to try to get same offer the original offer was tweaked and different from in mail. I explained that to customer service on XX/XX/2023 and I was hung up on but before that I was called XXXX and told I'll never have a good credit score in life

Company response to consumer: Closed with explanation