hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2021-01-05
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint:
On XX/XX/2020, I started receiving notices on my phone about money being sent via XXXX to a person I do not know. I walked into the bank branch as this was happening, and froze the account and filed the claim with the manager. I was told I would receive a provisionary credit within 10 business days, and I called today to check the status. I was told that my claim has been denied and that I had provided my bank login and password to the person that took the money. This is absolutely NOT the case, and I am at a loss on what to do to receive my funds back. I have filed an appeal, and have been told that it will take 45-60 days for this to be investigated again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Product: Credit 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: Experian Information Solutions Inc.
State: IL

Complaint:
Accounts the  XXXX XXXX XXXX- account number XXXX XXXX  XXXX XXXX XXXX XXXX- XXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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 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 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 explanation
Consumer complaint received 2019-12-21
Product: Checking or savings account 
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint:
been a customer of BofA for many years. XX/XX/XXXX of this year I logged in to use onlne bill pay and noticed that my account and my son 's were overdrawn by almost {$1.00} XXXX, of course I laughed thinking it had to be some kind of a computer mistake, I called the branch and was told BofA is closing accounts without giving a reason. I got that department phone number & called and was told that they have the right to close any account they wish to. I have been a customer of theirs for many years, my children accounts are linked to my account too, we have checking, savings & HELOC accounts with them, these are personal accounts, we all have direct deposit checks, we don't do any cash transactions & are not in any illegal type of industry such as dispensary or such and so every single debit & credit is accounted for. They kept my business accounts open but closed the whole family personal accounts without giving an explanation for their decision.

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 2022-09-08
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan
Company: Maximus Education, LLC dba Aidvantage
State: TX

Complaint:
My student loan servicer changed from XXXX to Aidvantage sometime in the past year. I logged on to my Aidvantage account at the beginning of XXXX to make a substantial payment only to discover that none of my payment history had been transferred during the transition, so none of the {$33000.00} of payments I had made since 2017 were being reflected on my account. I appealed to Aidvantage and they said they would have this resolved within 10 days. I submitted receipts of my payments and made 5 follow-up calls and emails. It is now XX/XX/XXXX and not only have they not resolved this or made good on ANY commitment ( including mailing me my payment history ), but I have discovered that my loan balance has INCREASED {$10000.00} due to an " adjustment, '' but I have not taken out any new loans in years. I have attempted to call several times and literally get a VOICEMAIL and zero response. Please help, as I have been swindled out of $ XXXX in payments and now have $ XXXX in debt that is being assigned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
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: IL

Complaint:
After several disputes Equifax showed 6 accounts as not reporting ( see enclosed report pages ) but now they are back on my report. Please remove the following accounts : XXXX XXXX never late XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX paid in full XXXX XXXX XXXX paid in full XXXX XXXX XXXX never late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: VA

Complaint:
Someone claiming to be Current my online banking. Scammed me out of all {$980.00} of my money and I contacted Current and they shut my app down and told me basicallly they couldnt help me and I believe this was an inside job ... my name email and number kept getting changed right before Current shut my online banking down .... when this person took the first batch of money Current said they will log me out all devices so it wont happen again but it did this person took more money and then thats when Current shut my app completely down and said it was being investigated but took days and days to respond with an update and then told me they couldnt help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc.
State: NC

Complaint:
n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. I have sent them several letters concerning this matter and to no avail, they have yet to respond I have also uploaded the documents that I have sent to them and still nothing. I have sent an updated dispute on XX/XX/2022 which they have responded to that they have gotten. 

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. These accounts that were furnished have violated my consumer rights and I want them to delete from my account.

15 U.S.C 168c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or 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.

Delete these accounts 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 2022-07-18
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: NY

Complaint:
In accordance with the fair Credit Report Act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A. Section 2:11 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 2023-02-03
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: EQUIFAX, INC.
State: CA

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Please correct the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint:
Good Evening this is a continued problem that XXXX XXXX and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX  my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is 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 non-monetary relief
Consumer complaint received 2023-05-09
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: CT

Complaint:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint:
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 : XXXX XXXX XXXX, amounts of XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX in the amount XXXX ; XXXX in the amount of XXXX ; XXXX XXXX XXXX in the amount of XXXX ; and The XXXX XXXX XXXX in the amount XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 


[ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days.

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 2019-11-07
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: TX

Complaint:
Experian is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint:
One about XX/XX/2020 I had numerous accounts deleted from my report as follows XXXX/XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  # XXXX, XXXX XXXX  XXXX # XXXX # XXXX # XXXX from Equifax I have reached out numerous times requesting those accounts be reinstated Equifax also sent me 3 separate credit reports stating those accounts are being reported. The problem Im having is when financial institutions are pulling my report from Equifax those accounts are not being reported I signed up for My Equifax credit monitoring online they also showing those accounts not being reported I have contacted them over the phone and have spoken to a supervisor without resolution on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint:
XX/XX/XXXX I sent in a dispute letter to American Express and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to American Express regarding a collection/charge-off that was opened in XXXX. My account has 5 inaccuracies. It is well over 30 days again and the account still has 5 accuracies and nothing has been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA
Tags: Older American

Complaint:
Small business ( checking and savings ) ( corporate account ) at Citibank was frozen on XX/XX/19 for XXXX  ( compliance issues ). Account has been open for over 10 years, no court order, or judgment or levy exists. I complied with all forms requested on XX/XX/19 - forms taken directly to a branch ; however as of XX/XX/19 all funds frozen. Auto pay to same bank for credit card payment was returned and {$25.00} charged. Rent, electric and other payments were returned, causing many extra fees and great embarrassment - landlord will no longer take a check for rent - electric company charged extra fees. 
XXXX XXXX, XXXX - corporate account - I am 100 % owner. 
Update - Branch refused cash payment on credit card.

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 2023-03-15
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:
I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX  ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 

Remove the account XXXX XXXX  number XXXX i did not give consent or permission to furnish this on my consumer 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 non-monetary relief
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: EQUIFAX, INC.
State: AZ
Tags: Servicemember

Complaint:
Equifax is reporting a collection account that was supposed to be removed several years ago. I have requested a letter from the furnisher validating the debt. No response. I send the furnisher collection company copy of my insurance card no response. I sent Equifax credit reporting agency the letters and requested for them to remove the information they have refused. I also send the credit bureau that as of XX/XX/2022 any medical deragatory to include collections should be removed they refused. I respectfully request this entry is removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer
Company: Bliksum, LLC
State: CA

Complaint:
Right NOW i am going through a financial hardship. I advised LOAN me not to call my employer. Today at XXXX PC a rep by the name of XXXX contact me ... i asked why was she calling my employer ... i told her i advised them not to ... she then went on to try to discuss a settlement while im on the phone at work. This was embarrassing and can cause me to lose my job!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: IN

Complaint:
ONCE AGAIN HARVARD HAS DONE IT AGAIN. THEY FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS AND STP CONTACR REQUESTS WAS IGNORED. CEASE CALLING OUR CELL NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: RFNA, LP
State: TN

Complaint:
I closed my account and paid it off with Republic Finance years ago and they have not removed the collection from my account. Now Republic Finance is reporting that I have a collection account with XXXX  when I do not have a collection account. I called and spoke with multiple employees who confirm I do not owe them money but they still have not removed this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: CNG HOLDINGS INC
State: GA
Tags: Servicemember

Complaint:
Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching. 

I contact XXXX XXXX XXXX  collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and XXXX XXXX XXXX continue to report the account as belonging to me, affecting my credit report.

Company response to consumer: Closed with explanation