hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2023-04-26
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: First National Collection Bureau, Inc.
State: AZ

Complaint:
Received text message today from ph # XXXX. Messages says " Call us at XXXX or pay online using reference number XXXX at text.XXXX. Attachment of correspondence : From : First National Collection Bureau , Inc . 
TO : XXXX We are contacting you regarding an important personal business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt collector. 

My husband had filed identity theft at our local police department and has notified all agencies involved. He is not receiving these messages. I am the one receiving messages. This is harassment from the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc.
State: NC

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint:
I am submitting this complaint to follow up my previous caomplaint submit4ed on XX/XX/2022 regaring the removal of the Fraudulent information from my Credit report. I was frustarted to see that the Credit Bureaus have done nothing to helpe a consuemr in need! I am planning to pursue legal action against the Credit Bureaus if they decide so still not pay heed to my requests and continue reporting the diputed fraudulent items on my Credit File without proper verification. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. Let me remind the Credit Bureaus that they are obliged to comply with the FCRA section 605b if they can not prove that the items do belong to me by providing documents signed by me. I would greatly appreciate it if the Credit Bureaus can remove the following items at the earliest possible time : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$51.00} XXXX XXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}

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 2018-07-31
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MD

Complaint:
I called PayPal Credit ( Bill me later ) on XX/XX/XXXX to get my balance on my account. 
the customer service rep told me that my account has been closed because i filed bankruptcy and that they mailed me a check back in XX/XX/XXXX in the amount of {$1800.00}. I told them i never rec 'd a check and i had already paid them another $ 500- {$800.00} since then, depending on when they did there audit on my account. 
I asked where have all my payments been going since i am paying on my account shouldn't i have a credit on my account? No, because my account is closed. No one can tell me anything. Nor help me. Pay pal owes me a couple thousand dollars at this point. 

i asked them to look at the check they mailed me i never rec 'd it NOR cashed it. To asked that the check be stopped and to send me a new check ALONG with doing an audit on my account to see how much more they owed me since i have paid several hundred dollars more. I was never notified that my account was closed and to no longer pay them anymore. 

I have been calling several times over the past 2 weeks and no one can seem to help me, they just say that they have a " case '' in and that it has been transferred to the back office but the " back office '' does not have a phone number nor can i be transferred to anyone.

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 2019-03-25
Product: Debt collection 
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint:
Today XX/XX/2019 Synchrony Bank called my father-in-law for the third time, informed him that I was late on payments and owed money. They have my current address and phone number so they are unlawful contacting relatives and informing them of my personal business. They also contacted my brother-in-law on Friday XX/XX/2019 for the same issue and gave info about me owing them money. The law states they may only contact relatives in an effort to locate someone, however they have my current address and phone number and need to cease calling relative and providing personal information about my banking business with them. They are breaking the law..

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 2023-10-02
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: MOHELA
State: NY

Complaint:
I have been trying to resolve this issue with the loan servicer for quite sometime. They have changed names so much it's hard to keep up with them. Direct loans were the loan servicers for these loans and i have asked them to show me a wet signature showing that I requested these loans and received them. There has been no compliance with validating the debt and it has been ruining my credit for over 10 years. I would like them to remove this from my credit report due to the fact that, there is nothing validating the debt, I have tried to contact them to resolve the problem but the credit bureaus continues to say that the debt belongs to me. I am ready to take this to court if necessary because the response from the loan servicer has always been validating the debt without showing proof. It has affected my life mentally and physically. Pain and suffering is just the tip of the ice burg with what its done to my life. If they do not get this off of my credit report, that is the next step I am taking, no more no less.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint:
On XXXX, we applied for a personal auto loan through Bank of America and were approved immediately online. We applied on our own, **NOT** through any dealership. On XX/XX/XXXX, we purchased a vehicle from XXXX XXXX XXXX in XXXX, Oregon. The salesperson, XXXX XXXX, insisted on us giving her our employment information, address verification, social security number, etc. I verified and asked **SEVERAL** times during the call, that she would **NOT** be using this information to pull our credit since we already had a loan. She assured us they would not be pulling our credit. 

Low and behold, on XX/XX/XXXX, they submitted our information to Bank of America AGAIN,  despite the fact that we already had financing through them, despite the fact that we were assured they would not be pulling our credit, and despite the fact that they did **NOT** have our authorization or signature to do such a thing. 

Since we check our XXXX report often, we were shocked to see a second hard inquiry on both of our credit reports. I immediately called both Bank of America and the dealership, who each admitted it was a mistake but said there was nothing they could do about it. The bank told me I had to fax in a letter requesting the unauthorized hard inquiry be removed from our credit. I faxed a letter to Bank of America on XX/XX/XXXX. I received a letter in the mail today stating that " all of the information that is being reported is accurate '' and they will " not be removing the inquiry from our credit. '' This makes no sense as we did not even authorize the inquiry. 

I would like to file a complaint against XXXX XXXX XXXX for applying for credit at Bank of America on our behalf without our authorization or signature. The hard inquiry will remain on our reports for TWO YEARS. Absolutely ridiculous.

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 2019-09-28
Product: Debt collection 
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint:
Target credit card services has called me 66 times since XX/XX/16. Thats 66 times in 13 days! I have it all on my call log on my phone. This is definitely defined as harassment and it needs to stop! XXXX  XXXX XXXX auto blocked their calls it was so excessive. And considering I already told them when I could pay it, and the reason I feel behind on my payments, due to my XXXX  having XXXX, this is nonsense to keep harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
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: HYUNDAI CAPITAL AMERICA
State: FL
Tags: Servicemember

Complaint:
Hyundai Auto Finance. I contacted them and provided proof regarding issue with my internet service as it timed out at the time I was making a timely payment. I was not aware this happened until the account was 31 days past due which at the time a timely payment was submitted. Although my situation was noted while I called and ensured payment was made to a live agent, it was not corrected. Furthermore to this, I retrieved proof from my cable company XXXX regarding the ongoing numerous outages in the area during the entire month. I submitted proof and the issue was never resolved, hence they continue to report negatively severely impacting my credit. This happened twice once approx XX/XX/XXXX for {$200.00} and approx XX/XX/XXXX for {$200.00}. Hyundai Financial has continued to report 30 days late on the 2 separate occasions noted. As a result of these outages I have implemented measures to ensure this will not happen again. I dont have a problem with my employment as my pay is well above adequate for my cost of living and has consistently been this way for 4 or more years. My account has been current and I pay as agreed. I need my report corrected as reported by the three credit bureaus XXXX, XXXX and XXXX. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint:
1. Capital One has yet to pay me for unnecessary time spent on their issues with my accounts. Bill enclosed. 2. Capital One owes me {$24.00} in over payment on account ending in XXXX. 3. Capital One has not fixed their issues with my online account, not showing account ending in XXXX. 4. This is my last attempt at mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA
Tags: Servicemember

Complaint:
Ive made over 30 disputes since I was targeted a victim of identity theft. All of which have returned as updated and not taking any action against. I have sent and faxed over reports from the FTC and Police Department to EQuifax regarding fraudulently established accounts. 

However that is a separate complaint that I am awaiting feedback. 

This complaint is because I am unable to access my credit report. 

When I go to navigate within EQuifax it does not populate anything regarding my credit report. 

The last update on my credit score was XX/XX/2021 In compliance to every consumer protection law and by those governed by the FCRA everything on my credit report must show verifiable accurate and truthful. 

This is in violation of that not to mention accounts and inquiries that were fraudulently establish still being left on my report. 

I have taken screenshots and uploaded them so that it will be proof that they have blocked my credit report for for promotional reasons as stated. 

Ive made several phone calls faxed over several documentations since my mobility issue and recent XXXX XXXX. 

Customer service has mopped me has hung up on me I have experience very unprofessional feedback from those even in the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Product: Debt collection 
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged
Company: Delivery Financial Services, LLC
State: AZ

Complaint:
I received a bill nearly 7 years ago for medical debt they couldnt prove I owed, sold to a collections agency and damaged my credit. Then this month put it back on my credit and further damaged my credit score. 
They have never provided proof they own the debt, or that I actually owe this debt. The company was Delivery Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
Dear, Experian & CPFB I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. And Proof of my Identification that was Used.

THIS IS THE 17TH TIME IM ASKING EXPERIAN TO CORRECT THIS ISSUE, THEY HAVE FAILED ME ALSO I HAVE FRUAD ALERT. NOT ONE PERSON CALLED ME TO VERIFY THESE ACCOUNTS BEFORE OPENNING. I BEEN OUT OF THE COUNTRY FROM XXXX. 
I HAVE BEEN FIGHTING THIS IN WRITING AND ONLINE FOR YEARS. I HAVE BEEN VIOLATED AND MY CREDIT RIGHTS HAVE BEEN VIOLATED. AND EXPERIEN WHO SUPPOSE TO PROTECT CLIENTS HAS FAILED ME AND MY ATTORNEY AND IS ONLY REPORTING A SCAM COMPANY AND ACCOUNT. 
THE OTHER CREDIT REPORTING COMPAINES SAW THIS WAS FRAUD AND REMOVED FROM MY CREDIT FILE MANY YEARS AGO, Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed 3x on my report XXXXXXXX XXXX XXXX XXXX XXXX} As proof of my identity, I have been sent to Experian 17 times of my birth certificate, Social Security card, passport, drivers license. 
ATTENTION EXPERIAN IS WELL PASSED THE 30 DAYS ITS BEEN OVER 4 MONTHS, AND THEY KEEP GIVING THESE COMPANIES EXTENTIONS. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Please do not share my Personal information or Identification with any company, those companies I have been fighting to prove my Innocence for many years. The following accounts was FRAUD when I was out of the country. 
I have been going back and forth with these companies for years, many of them have sold the accounts after it was proven many times it was Fraud. They Illegally sale the accounts and it starts all over again. 
Sincerely, name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Product: Debt collection 
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX  XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY

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