hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2021-05-15
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MN
Tags: Servicemember

Complaint:
We are small business owners and we shop weekly at Sam 's Club. On XX/XX/XXXX, we were approached by a Sam 's Club employee at checkout who asked if we wanted to " save {$30.00} today '' and " earn 5 % cash back on all purchases. '' We were provided a flyer to review the Sam 's Club Business Mastercard benefits by the Sam 's Club employee. We agreed that we wanted to apply for the Sam 's Club Business MasterCard. Our application was processed on the spot and we were informed that we were approved for a $ XXXX credit limit. We state that the 5 % cashback would be helpful and the employee agreed. The Sam 's Club employee then processed our purchases made on XX/XX/XXXX to the card and applied a {$30.00} credit to our bill leaving a charge to the card of {$250.00}. The bill for this new card arrived a week later. The balance was {$300.00}. Upon review, we noted the bill from Synchrony Bank indicated we had a Sam 's Club Business Credit Card, not the Sam 's Club Business MasterCard that we requested. My wife immediately called Synchrony Bank on XX/XX/XXXX and spoke to agent in Ohio named XXXX, Operator # XXXX on XX/XX/XXXX. XXXX told her that we qualified only for the " business credit card, '' and not the " business mastercard. '' We were not told this at Sam 's. Wife told XXXX that the Sam 's Club employee had misrepresented this and asked operator to close the account and provided bank information to pay the bill ( {$300.00} ). Wife then contacted Sam 's Club to complain. The employee I spoke to said they see many angry customers daily who come to customer service to complain about this same issue. The employee was uncomfortable with this apparent bait and switch tactic. My wife also spoke to a manager at Sam 's Club who apologized but tried to excuse the misrepresentation that occurred. Manager said she too applied but did not qualify for the Sam 's Club Business MasterCard at first, but that if we waited about 6 months, Synchrony might invite us to get the Business MasterCard at that time. This is a betrayal of the trust we had in Sam 's and Synchrony Bank is complicit in this predatory and fraudulent activity.

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 2018-01-17
Product: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint:
On XXXX/XXXX/2018 - I answered a call from Transworld Systems. The individual refused to talk to me unless I provided him with my personal contact information. I advised him GLB, FDCPA, and TCPA ( as they had been contacting my cell phone regularly ). I asked for Verification of Debt. They  refused to provide this as I would not verbally give them my personal information. I told them they could provide me what they have and I would confirm but as I do not know who they are nor does their company sound like a financial company in charge of debts I was not willing to provide anything organically without verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: MO

Complaint:
It has been brought to my attention that the Equifax Credit Bureau is not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint once again to help establish a legal recourse. My information has been exposed in the Equifax data breach. The following inquiries and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have already grew tired of the Credit Bureaus ' stall tactics and their choice of not having the disputed information removed from my Credit File. I am now willing to file a lawsuit against the Equifax Credit Reporting Agency in the event that they still would not remove the disputed items completely from my Credit File. If it is not too much to deal with than facing a lawsuit, please remove the following items removed : XXXX date of inquiry XX/XX/2021  XXXX date of inquiry XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: MD

Complaint:
On XX/XX/XXXX I transferred by XXXX XXXX XXXX XXXX and XXXX XXXX balances to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute with Experian letting them know the balance on my XXXX  card was incorrect. XX/XX/XXXX I received an email from Experian that after their investigation they would not change the information. As a result of the fraudulent information my credit score decreased due to the utilization.

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 2022-11-15
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: EQUIFAX, INC.
State: CA

Complaint:
Equifax seemed to ignore my appeals and neglect its duty to comply with the FCRA section 605b. I've been asking for a remedy about this matter but I guess XXXX is oblivious for they have again neglected my concern. You asked for Documentation and I have given it. And now, Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DELETE IT NOW! 

XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: TX

Complaint:
This is my several request to the XXXX Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the XXXX credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
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: FL

Complaint:
I want to report fraud for the following accounts that I have disputed with all XXXX credit bureaus. The credit bureau told me to add all the companies I am disputing in one FTC fraud report and not to complete it individually. 
1 ) XXXX ending in XXXX 2 ) XXXX  XXXX  XXXX  ending in XXXX 3 XXXX XXXX XXXX  ending in XXXX 4 ) XXXX XXXX XXXX ending in XXXX 5 ) XXXX XXXX ending in XXXX 6 ) XXXX XXXX  ending in 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 2023-02-16
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: FL

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint:
I was no longer able to participate in IBR, however the other loan payments I make in a month total almost {$600.00}. I have had to put my loan in forbearance for the past two years as I can not afford to make those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint:
XXXX XXXX granted me credit a line of XXXX 2016. Payments are continually report negative late payments on credit file. Funds are available in savings and not checking. Instead of removing available funds ; the company furnish inaccurate information on credit file. With this type of reporting continues to enable credit worthiness and growth in score. According Federal Reserve Board this is illegal. In addition, during multiple late payment reporting, a protection instituted by XXXX in case my health becomes compromised and unable to work Requesting all late payments to removed from tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint:
collections account from XXXX XXXX XXXX on XX/XX/2022 with account number XXXX {$2600.00}

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 non-monetary relief
Consumer complaint received 2023-04-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint:
Unfortunately, this is my third time reaching out regarding this Bank of America account. This account is inaccurate and fraudulent and it needs to be removed from my credit report. I received a letter from XXXX stating the information was validated but there was no information as to how this information was validated, no proof was provided regarding my consent of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
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: MI

Complaint:
-XX/XX/XXXX an item was ordered by accident from XXXX  costing XXXX dollars. 
-- XX/XX/XXXX I received notice via e-mail that the item was ordered. On that same day I called XXXX and cancelled the order. 
-- XX/XX/XXXX item was delivered when I was at work. On that same day I called my credit card company and told them to hold payment because I cancelled the item and it showed up anyways. 
-- Not sure exact date but early XX/XX/XXXX I shipped item back to XXXX unopened. 
-- XX/XX/XXXX without me knowing XXXX disputed delivery because they did not receive or process return yet. 
-- XX/XX/XXXX XXXX received return. ( I have proof with attachment ) -- XX/XX/XXXX credit card company issued refund back to XXXX based on XX/XX/XXXX information. I was never told of this until I received bill in XX/XX/XXXX. 
-- Beginning of XX/XX/XXXX I received bill from credit card company with the XXXX charge on it. 
-- Early XX/XX/XXXX I have numerous calls with the credit card company and XXXX on this matter. Credit card company tells me they paid XXXX on XX/XX/XXXX and I have to pay XXXX dollars or be charged interest. When I talk to XXXX they tell me they have no record of refund on XX/XX/XXXX ( I have proof with attachment ), but they do agree that the item was returned. I call credit card company back and asked for some kind of confirmation number or proof they sent XXXX the money on XX/XX/XXXX so I can give to XXXX so they can track down the transaction. Credit card company tells me there is no proof they can give me. 

-- So the main thing I am trying to get is proof of the transaction from my credit card to XXXX on XX/XX/XXXX in the amount of XXXX so XXXX can possible track this transaction down and I can get a refund that I deserve. 

-- The credit card company is bank of America. 

-- I would greatly appreciate any help you can give me on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: PMT Solutions, LLC.
State: FL

Complaint:
I received a debt collection notice on XX/XX/08 regarding a bill I did not know existed from XXXX XXXX. XXXX XXXX never sent me a bill but instead sent my bill directly to PMT XXXX  who require you to pay in person or acquire an extra {$35.00} fee to your bill. I have lived in Florida now for 5 months and can not go in person to pay my bill that I did not know existed. When I contacted XXXX XXXX regarding the bill, they stated it is not their responsibility to notify me of payment due. XXXX XXXX has also deleted my account so I can no longer see what the charge is for or any details regarding the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: TN

Complaint:
This company has NOT provided me with ANY INVESTIGATION RESULT regarding complaint ID XXXX of XX/XX/2022. It is now over 30 days and I still DO NOT KNOW what their investigation result is. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it has 30 days to investigate disputes. If it can not verify the information within the 30 day time period, it must delete all of the disputed accounts from my 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 2022-10-24
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: TX

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 Account Name # XXXX Account Name # 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 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 XXXX 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 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint:
Experience refuses to put the correct employer. 
They are putting XXXX XXXX XXXX XXXX XXXXXXXX, XXXX instead of XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Mountain Run Solutions, LLC
State: GA
Tags: Older American

Complaint:
On or about XXXX of XXXX, I was notified by checking my credit bureaus reports by XXXX, XXXX, XXXX  XXXX, and I noticed a creditor by the name of mountain Runs Solution whom I was not familiar with. I was later contacted by them through a unrecognized number. After speaking with a representative, I asked why I was not contacted before now and was told by representative that they did not have my address and they told me that they had sent the letter to my last address at XXXX XXXX XXXX in XXXX, Georgia, where my son used to reside and where I resided with him at that address in XXXX from XXXX to XXXX of XXXX. They said they sent the letter to that address and this was bit puzzling for me because I had the system installed in my house at XXXX XXXX  XXXX, XXXX, Georgia XXXX in XXXX of XXXX and maintained the system from XX/XX/XXXX until XX/XX/XXXX, and now they are saying that I owe then {$94.00} which I know not to be true. To my knowledge the account was sold to XXXX from XXXX and from XXXX to Mountain Run Solutions debt collection. I contacted XXXX Monitoring company and they said they had no record of my information. Mountain Run must have gotten my information and is now trying to harass me for money I do not owe because I honored my contract from XX/XX/XXXX until XX/XX/XXXX according to their own recollection. I am asking that they send financial proof that I owe this money or this matter be dismissed off of my credit report. I had a high credit score until they sent this ridiculous report to XXXX. XXXX has dismissed it, but with no proof of this collection against XXXX is falsely reporting this on my credit report. I have been working with the CFPB and was given a case # XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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: EQUIFAX, INC.
State: NJ

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation