hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2018-11-06
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Tags: Servicemember

Complaint:
XXXX XXXX XXXX XXXX Made final payment XX/XX/2018 for {$1600.00}. XX/XX/2018 - received a letter congratulating me and informing me 5he account is now PAID IN FULL. 

XX/XX/XXXX talked to XXXX - no one can locate the title that was XXXX. Told me they would wait to see if it shows up. 

XX/XX/XXXX, got a call from XXXX XXXX XXXX to inform me that XXXX could not locate my title. Told me I need to pay them again for another title. I told them the car is paid off and I need the title to register my car. They told me they could not release it because Citizens One had not indicated that the car was paid off. 

XX/XX/XXXX - contacted customer service - XXXX. He was very polite but told me since XXXX ( his supervisor ) had the case I needed to talk to her. He provided XXXX direct line ( XXXX ) XXXX XX/XX/XXXX - to date Ive left XXXX three messages on her direct line. Nothing. 
How do I get my title?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: MI

Complaint:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-10-27
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: Shellpoint Partners, LLC
State: SC

Complaint:
My mortgage company Shellpoint Servicing has reported over 90 days delinquent in mortgage payments on my credit report despite approving me for a forbearance and then a deferment under the CARES Act as a result of the COVID-19 pandemic. I was initially approved for a forbearance for XXXX - XXXX. In XXXX, I made two payments which were refunded as the file had not been updated to reflect the end of my forbearance. I was then approved to defer the missed payments to the end of the loan. I have never been late on any mortgage payments and as a result of these delinquencies in my report, It has cause adverse impact on my credit. I have reached out to the company and the matter has been referred to their credit department. I have been denied for a loan due to the delinquencies showing on my credit report and need it corrected as soon as possible.

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 2022-12-30
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: IL

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXBalance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
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: Clarity Services
State: MO

Complaint:
Theres multiple inquiries from clarity services incorporated in XXXX Florida that keeps putting hard inquiries on my credit report. They continue without my authorization or my consent. I dont even know who they are ... and I want them removed immediately. I've called via phone already awhile back and there continues to be added and unauthorized hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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:
XXXX XXXX XXXX is reporting a derogatory item on my credit file with XXXX, Equifax and XXXX. This account does not belong to me and I have requested for specific documentation under Section 609, 611 FCRA which requires XXXX XXXX XXXX to provide specific information to me such as copies of authorization to pull my credit, the times and dates of the authorization to pull my credit, copies of any purported contracts or agreements. Although I have requested this information XXXX, Equifax and XXXX  continue to report the derogatory item on my credit report. As of the submission of this complaint XXXX XXXX XXXX has refused to provide the required information under Section 609 FCRA and XXXX, Equifax and XXXX  continue to report the derogatory item in violation of The Fair Credit Reporting Act. Please find my 4th Notice to ALL parties under Section 609, 611 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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: EQUIFAX, INC.
State: IL

Complaint:
Ive contacted all 3 credit bureaus regarding disputing this account and provided supporting documents and the outcome wont change. Im being told that the creditor verified the information they have is accurate which isnt which shows that the credit bureaus arent doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: Premium Credit Bureau
State: TX

Complaint:
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint:
In XXXX, Requested a replacement card so that I could set up my online account. The company associate closed my account instead. I never received a replacement card and stopped receiving billing statements. So I have absolutely no visibility into the account. I would call and was told that I couldnt pay the bill because the account was closed due to Fraud. Never reported fraud or that it was stolen. I also was told that I couldnt get a replacement card which was my initial request. So now I still cant pay my bill because of their error. They reported it to the credit bureau and saying that the only way I can pay is through collections. I was also told by their fraud manager that there was a system glitch on their in. So Im being negatively impacted because of a company error.

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 2023-03-04
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: 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint:
my personal information has been compromised due to XXXX  data breach. I notice multiple accounts showing on my credit profile I never opened

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 2023-04-16
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: Experian Information Solutions Inc.
State: IN

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
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: CITIBANK, N.A.
State: MD

Complaint:
I disputed a a charge on my Citibank MasterCard with Citibank. I was advised by Citibank that the merchant had agreed to tissue credit on my account. They had originally put a temporary credit on my account but then removed it. I contacted them at least 20 or more times via phone, online chat, and written correspondence. I was assured repeatedly that the account would be credited and that any interest accrued would be removed. Citibank never called me back as they stated they would. They never posted the credit and then when I called them again they said they had no record of merchant issuing credit. They contradicted themselves repeatedly. I have numerous print outs that show where they said the account would be credited. This charge needs to be credited. They never followed up with me and assured me all along that the merchant issued credit.

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 2020-10-24
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: GA
Tags: Servicemember

Complaint:
I viewed my credit report and saw that there was a debt in collections. I have never received any mail correspondence, phone call or anything regarding this debt. I am unsure of why it is on my credit report and no one has even contacted me about it. When talking to the company representative and then a manager. They offered me no resolve and told me there was nothing I could do but pay the debt. They have reported it to my credit and that is not fair that no one, not even the company that states I owe a debt has contacted me regarding this debt. The company is called Sequium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card 
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint:
It will not let me use the card at all. It always says " there is a problem with your bank. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint:
On XX/XX/2021 a collection account was removed from my credit report. However, the same company did an reinsert on my credit report and I was not notified within 5 business days of such action by Equifax. I was not provided any documentation with my signature proving this debt. I've been very patient, but they are not following consumer reporting agency laws. This is an unfair practices and it's keeping me from buying a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint:
I am reporting the illegal practice and false collection practices of XXXX XXXX. They have reported and refuse to remove two collections off my credit report. One was for {$93.00} reported XX/XX/XXXX and the other was for {$45.00} reported XX/XX/XXXX. Payment was made to the original medical facility, XXXX XXXX XXXX in full. XXXX, the billing manager for XXXX XXXX XXXX have sent many emails and phone calls to XXXX to stop the collections and false reporting and to have them cease and send back all collections under my name back to them. Till this day, those collections are still on my credit reports. I am still getting collection statements from them as recent as today XX/XX/XXXX with fraudulent amounts and illegal harassment. I do not owe any amount to XXXX and XXXX XXXX XXXX ( the original creditor ) have acknowledged this. I respectively ask that these erroneous charges be removed from my credit report and ask that they cease sending me fraudulent statements trying to collect on amount that i do not owe. I need this done ASAP, as XXXX XXXX is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: VA

Complaint:
I have contacted XXXX XXXX, Equifax, and XXXX credit reporting agencies regarding inaccurate information on my report. After trying to correct this inaccurate information these companies refuse to remove the information once they were told they were in violation of law. 15 usc 1681 ( a ) definitions ; rules of construction ( 2 ) ( a ) clearly states report containing information soley as to transactions or experiences between the consumer and the person making the report is excluded. According to the Fair Credit Reporting Act ( CFRA ) violation and penalties ; I can be compensated for these agencies my willfully violating my rights. These companies have caused harm. The inaccurate information lowered my credit score by not allowing me to have a fair representation and accurate information when applying for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Tags: Servicemember

Complaint:
I bank with Bank of America and I have been noticing lately that they have been charging me overdraft fees for things they never use to charge before and this is REALLY causing a financial burden on me. On  XXXX  I had  XXXX  dollars in my account I needed gas. For as long as I can remember and everyone in the world I know takes advantage of the fact that you can fill your car up with  XXXX  dollar in your account. I 've done this for years and never once been charged a fee. On  XXXX  I transferred  XXXX  dollars to my savings and I had  XXXX  dollars left in my checking and I filled my car with my debit card that 's linked to my checking. I filled up for  XXXX  dollars. When my  XXXX    XXXX    XXXX  card transation posted Bank of America gave me a OD FEE of  XXXX  dollars because they said I transferred the  XXXX  that had I never transerferried the  XXXX  and left the  XXXX  in the account and then got the  XXXX  in gas it would 've never triggered an overdraft fee. WHAT SENSE DOES THAT MAKE ITS STILL A DEBIT PURCHASE AND IM STILL OVERDRWING THE ACCOUNT EITHER WAY. They refuse to refund it and it 's not right why ca n't I trensfer my own money when I want to. This was not a reoccurring debit charge and it was n't ACH charge. Also on  XXXX  I had and ACH trigger for  XXXX  BOA returned as they should because there were no funds in the account, but the merchant  XXXX   XXXX  charged my account in error. They even sent me an email stating their systems are down and my payment was n't supped to be til  XXXX   XXXX  not  XXXX   XXXX . I called boa and asked them to please refund the fee due to merchant error and they refused they said I ca n't file a claim and present documentation on the charge because it was n't paid. That 's ridiculous. So charge your customer  XXXX  dollars add more financial strain to them when they have documentation that the charge was to come out  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 monetary relief
Consumer complaint received 2023-08-10
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: FL

Complaint:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted.

Here as follows are items in error : 1 ) This reported balance is wrong. Its being reported as {$2000.00}. Thats not correct. The correct balance is {$0.00} as of last activity. 

XXXXXXXX XXXX XXXX Account # XXXX The reported balance is wrong the correct balance is {$0.00} Please update credit report Attached to this complaint is my written complaint, drivers license, and social security card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
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: NY
Tags: Older American, Servicemember

Complaint:
I have excellent credit.  XXXX   XXXX  inquiry should be removed    XXXX    2017   . Still appears according to my credit card company. Removing it would cause my score to increase  XXXX  to  XXXX  points. Tried to access report #  XXXX  online to dispute. Could not.

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 2021-07-21
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Phoenix Financial Services LLC
State: TX
Tags: Servicemember

Complaint:
Phoenix financial services suddenly appeared on my credit with a medical debt. I do not recall this debt and they refuse to give me my documentation of where I signed to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
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: Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report.

Company response to consumer: Closed with explanation