cfpb_test.json

[
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: xxxxxxxx unemployment card u bank reliacard cause took long get day cant access money dont know cant find awnsers online app cant get noone phone cause hour plus wait disconnect mean im money still bill keep piling please help name last digit card last nmy social security phone email add\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: booked purchased airfare citicard went airline trip leaving returning credit back citibank statement received email due coronavirus flight cancelled see email attached would give voucher later date responded see email attached want voucher wanted credited back credit card going see daughter would need book another airline going flying credited u back total son ticket purchased another credit card booked directly said husband ticket needed credited back reach even though credit card charge went directly repeatedly called reached time trip date date site said time due high volume call reach within hour trip called submitted form regarding itinerary say repeatedly submitted form online regarding airfare cancelled need cancelled refunded never able get anyone phone get automated person tell put itinerary number trip cancelled received email saying flight home cancelled see attached first time reached u regarding cancelled flight even though reached u put random flight arizona repeatedly reached get anyone phone submitted online form multiple time one gotten back also say cant contact day trip go onto account trip show confirmed itinerary one way flight still get anyone phone straighten also submit online form cancel reason reached citibank handle dispute citibank ended fighting dispute credited back one ticket immediately called told still handling one credited back continually called time told still fighting weekly called asked needed additional paperwork wanted resend paperwork submitted time told went month told today closed dispute never submitted paperwork even though called repeatedly since sent paperwork time told working help closed case could easily paperwork month ago completely\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: citi credit card called fraud call message held hour answer called letter sent saying closed account card locked told payment late due til letter came chat waiting waiting way tried dispute charge could see called today talked people tell ca reopen account r investigating charged read everything waited person minute hour call back telling able reopen account called waited sent chat locked card identity shamble unfair\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: called american express emailed receipt id info never received case number call back problem fixed\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: procedure hospital send bill insurer month voided contract insurer refused pay illegally sent collection premium ppo refused pay late payment request\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: covid applied deferral online like requested bank deferral request followed numerous phone call see approved assured received working also received notification loan late called told computer generated still working deferral behind shorthanded told deferral never went thru payment made since resumed making payment gone interest late fee never received anything saying deferral approved contacted bank tell nothing clearly wrong deceptive fraudulent bank preying customer time crisis\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: contacted collection agency l j ross well would remove fraudulent charge\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: student loan thru went completed original loan balance started paying loan serviced paid month sometimes started loan payment immediately never missed payment paid great never issue rest tuition covered single mom qualified assistance problem went business fraud issue kept poor record thus abruptly shut paid obligation via governement grant student loan documentation contract show collection agency purchased debt harrassing student loan amount saying still owe told several occasion false still paying student loan debt paid filed derogetory mark credit disputed proper documentation removed debt sold debt collection company last one convergent say creditor say owe loan balance time business scam harrasing threatening continuously calling home work mom work etc told debt paid full proof said double jeapardy still owe aggressive slander call unacceptable mom worked hard keep credit perfect pay debt ridiculous\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: paid collection account plaza service paid full want deleted credit report\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: contacting compromising social security number victim identity theft contacted federal trade commission filed complaint attached please block remove information credit report send updated copy credit report following item belong result fraud authorize see attachment\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: got credit alert regarding recent charge credit card work experian credit card u call time even data via ssn name dob ask around family member even credit card authorized reason filed\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account limitation paypal since inception faithfully remained customer tenant mine could get due paid rent money paypal account paypal flagged account suspicious activity put hold account message received account access temporarily limited account information shared account problem please resolve issue impacted account question know account isnt need appeal contact u need take action account feature account limited perform certain task account able regain access feature completed unable submit required information notice additional change account activity access limited oh yes account limited went resolution center followed instruction change password reluctantly submit photo id reluctantly photo id accepted submit bank statement reluctantly statement pending review bank statement pending review month called every number listed paypal sent message paypal received response yet written governor california asking anything might help gain access literally thousand dollar account sincerely need get recording state due corona virus customer service closed really wit anyone help please paypal corporate office phone number customer service call sale support call however one answer ca leave voicemail\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: car loan taken car loan repoed paid reaming balance update credit report\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: usdoexxxx account reported abbreviated name full name servicer account reporting date last payment equifax reporting payment due account time however date inconsistent however reporting date last active show equifax show none date match activity payment made three bureau reporting high credit balance show equifax show amount violation failed addressed repeatedly amount match information reported percent accurately according law repeatedly failed report account dispute equifax removed account dispute comment equifax company reporting account top invalid account number also listed authorized user considered account removed another account reporting listed authorized user considered account equifax reporting high credit limit credit limit left reporting high credit amount credit limit reporting date last active reporting equifax date supposed match since supposed receive exact information company date last payment show date last active also show date last active date last payment equifax show date last active date last payment none date company match reported accurately still also making payment account since paid far two year payment history even reflect none bureau reporting information verified account still reporting wrong making payment ever since company show payment history co however equifax show making payment since reporting wrong show date last active equifax making payment account since however reporting date last payment equifax equifax show last reported date show show information inaccurate reported inconsistently three bureau verify information correct attached evidence refuse change company obligated fcra report information totally accurate severely affecting credit score equifax also reporting credit limit reporting reporting high credit equifax showing three bureau reporting past due balance violation still corrected showing past due amount equifax show account already carrying balance reflect past due amount violation company refusing proper investigation error even asked method verification provide information requested allowed law request\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: applied credit card banco popular de puerto rico pr tel application application denied age late paying credit card twice receive paper statement good technology daughter registered payment made automatically bank account\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: citicard recently implemented new policy allow customer pay full bill affect citicard card holder citicard customer many year new billing policy need brought light disregard billing period prevents customer paying paper statement full please see attached document help explain whats happening affect credit card customer instead normal practice customer receives paper statement pay entire bill end billing period refusing accept full payment send paper statement clearly set cutoff date beginning end billing period amount due transaction period year chosen pay bill full online end billing period new policy mandate pay amount computer screen date time want pay however balance includes credit took place close billing period shown paper statement computer balance live balance change real time thereby creating continuous discrepancy paper statement online balance computer accept amount due paper statement new citicard billing policy return item item billing period ended computer balance immediately show credit account calculates different amount due bill ive already received daily transaction take place billing period belong next billing period appear next paper bill new policy return item vendor anytime billing period ended try pay bill paper statement even though citicard received credit different billing period week next bill present paper statement due prior transaction cutoff date longer recognized valid new policy manipulating fund slipping future credit prior billing period may sort financial advantage depriving right consumer right accurately billed transaction within billing period set required accept payment billing period billed im billed specific amount pay lesser amount month record dont reconcile record justify discrepancy statement amount paid explain irs keep strict financial record depend paper bill proof specific transaction dollar amount support owe certain period reconcile account citicard refuse accept payment full paper bill isnt purpose paper statement computer payment site specifically set accept running balance day time try pay last month tried make full payment computer refused accept full amount xxxxand spent lot time trying enter tried contact several attempt left hold minute call dropped gave clicked pay computer would accept unknown time computer didnt even transmit payment even though wanted pay upon receiving next paper statement discovered included charge full amount added late fee interest penalty prior bill indicating never received prior payment penalized paying time computer would still allow full payment current paper bill since current bill due soon persevered finally got human phone spoke customer care rep member escalation team reiterated could pay amount show computer day time pay bill allow pay phone prior bill would remove penalty fee still refused accept phone payment form payment full amount current statement adamant billing policy supersedes paper statement must pay computer reflects didnt pay computer balance show day time pay continue charged interest penalty nothing could asked would accept amount paper bill sent check said policy hold spoke customer care rep requested supervisor dont remember name escalation team promised would get call escalation team following monday tuesday never happened tried call get payment history left hold dropped call present paper statement due see computer balance moment computer accept time important resolution account company mean get straightened pay interest penalty policy put customer credit rating risk please please help customer may found yet wont know go please feel free contact email thank\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hi landed job reside ca needed room rent found place rent paid deposit dollar however position going didnt work longer needed rent place bay asked landlord refund security deposit refused told called back wellsfargo disputed transaction recently noticed card reversal checking account got charged amount dollar called bank werent able refund money also emailed landlord asking refund money ten day passed still response hope cfpb take action successfully resolve issue thank\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: good morning name went chase amazon prime credit card account set payment arrangement due falling ill treatment month caused serious financial strain awaiting benefit account closed received notice action upon accepting payment plan option offered website agreed payment plan suggested via website amount dollar next three first payment made please see attached screen shot agreement morning automatic payment transaction amount taken checking account chase bank called bank place stop request said could put alert file complaint behalf recommended call chase per bank recommended called chase asked full balance automatic payment entered payment plan earlier month chase answered transferring supervisor supervisor said acct closed would wait till transaction cleared call back asked payment plan chase reply could call bank due current pandemic situation could right also said automatic payment selected pay balance full even though entered payment arrangement thats happened please see included picture ask someone assist iam seriously negative bank account incurring fee payment either paid also incur bank fee chase culprit money way buy anything horrible sitution living right chase credit card account exp finally request prompt assistance horrible financial situation thank effort advance\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: senior citizen nv semi retired fci lender service told would allow payment deferred accordance care act representative fci called regard inquiry deferring payment least day due covid fact shut told plan cooperate covid consumer must make payment suffer possible foreclosure continue make payment payment paid next one due behind payment writing payment per month need least payment forbearance afford pay lump sum day would ask add payment end note refused even grant forbearance type\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: cash app locked account told open real bank account link debit card oh told done sure opened account tried connect debit card cash app saying changed feat need fund transferred cash app please fix\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: date county tax due delinquent date morgage company always wait delinquent date pay mortgage need pay week prior delinquency fee doesnt show county website fee reversed however shouldnt paying last minute fee even shown county website talked prior issue however dont seem care wait last minute delinquent fee shown\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hounded persolve legal debt collector agency driving wall outstanding debt need robocalls stop\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: fdcpa violation referred ftc sn servicing contact fdcpa violation since servicing loan originate loan default time servicing received hence sn servicing debt collector sn servicing added debt written prior owner may use unfair unconscionable mean collect attempt collect debt collect interest fee charge expense incidental principal obligation unless authorized original debt agreement otherwise permitted law use false deceptive misleading representation court client investor history debt forced place insurance imposed without notice sent notice address knew incorrect denied covid forbearance based original debt default ignored many covid related loss action threaten take action legal intended constant threat litigation applied covid forbearance escrow property tax trail mod contract explicitly state pay escrow property tax apparently stopped paying property tax last year despite constant legal threat sell home action court sell deemed illegal cancelled sn servicing told u pool servicing agreement debt original document\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: canceled account reporting incorrectly still want money\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: asked stop call told brother give authorization contact least four time month call say thing number please take number list stop asked company name info refuse give eos rude wake often even bill collector\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: good morning previously submitted dispute deletion collection account credit report please review decision delete collection credit report initial dispute message good morning name victim identity theft back yesterday started seeing collection account credit report want account investigated deleted important thing living united state since proof attached please delete report response good day please advised thoroughly reviewed written complaint collection agency collection claim account number listed responsible party communication office regard account account recalled client since debt account returned client deletion request processed account deleted credit file three major credit reporting agency experian please note time varies credit reporting agency complete deletion request communication office regarding account behalf want apologize inconvenience may caused thank corporate compliance officer\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: dear citibank misappropriated social security fund saving account word describe emotional psychological harm event caused saving account citibank number year opened checking account citibank account number transferred saving account new checking account fund received part ssdi spousal benefit saving account around early logged account noticed checkings account longer showing account dashboard went citibank spoke branch manager name nmls asked account closed fund proper information provide said account closed know account closed suggested account closed due citi sweep check sent address made call said would open investigation fund within week asked whether check sent address cashed information regarding status idea check mailed whether cashed two month since visited branch heard nothing bank received fund surmise bank misappropriated social security fund given covid time source income struggling make end meet bank refuse send back money deposited checking account still idea checking account closed incidentally saving account continues operational receiving social security fund saving account bank information one account kept open closed need immediate relief request assist recovering incident caused significant stress health issue addition putting financial situation significant jeopardy also request take appropriate action including punitive action sheer malfeasance part officer bank sincerely\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: cra continue report outdated incorrect data account never done business company unauthorized inquiry\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: duplicate complaint see requested attachment problem credit reporting due unverified inaccurate misleading information report\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: financed end end received notice truck month ma financial service claiming ma financial service listed loss payee insurance current since day purchased vehicle notice also state fax current declaration page within day add coverage charge account increasing monthly balance one notice contacted insurance agency confirmed ma financial listed loss payee even let know ma financial returned acknowledgment return stating received declaration page harassed ma financial almost monthly basis sending current insurance declaration page changed still current ma financial betting possibility year old young man may deal threat order get money addition notice received monday falsified date date notice received month prior attaching notice received misplaced original notice received purchasing insuring truck\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: called navient today inquire federal government extending forbearance people student loan sitting phone tree minute given option call back never called back happy already paid time amount borrowed still owe new law would help family much navient even call back acceptable especially considering much made\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: brought car always since statement say attempt pay loan quicker noticed payment applied principle loan like asked contacted company phone writing\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hello fraud debit card time time equal money stolen received back made claim bank well fargo denied stated sent documentation denied stated transaction made using card personal identification number pin found made someone permission please consider claim closed never lost card never phone never given anyone bank information understand possible filed police report well order prove real victim desperately need money back\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: friend accidentally sent dollar old cash app account longer access old phone number debit card associated account contacted cash app support told answer security question one answer wrong would tell one old account ca possibly remember everything exactly closed account give dollar account asked send back original sender first said yes back tracked cash app basically stole dollar since account closed money refunded one access fund cash app\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hello team purchase model massachusetts bought vehicle took loan kia motor finance endorsed dealer duly closed complete loan amount auto refinance another institution loan amount kia motor finance paid bought vehicle bough couple package told dealer since satisfied product canceled service year later product prorated refund cheque issued dealer never sent cheque instead sent cheque kia motor finance first place wrong moreover kia motor finance cheque following get money refunded back however delaying procedure initially stated get refund week went back week stated sent week state take month holding money without reason customer pay money time bank apply penalty interest since money belonging refusing send money time penalty implemented kia motor finance also action taken dealer endorses first place need help someone assist thank\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: bill collector verified personal information including last four social someone phone even gender disclosing debt disclose called numerous time day called speak manager claimed assist without verifying information today portfolio recovery manager\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: approximately day ago contacted citibank made payment later saw added annual fee put limit asked could wave fee due financial difficulty told could called back day could work reversed payment day called told told could help day late call back told advising make payment ca make get good standing cancel card also reported account credit bureau beyond upset followed instruction thinking would able arrange affordable resolution without ruining credit followed instruction believed would work lied\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: submitted dispute letter experian notifying account belong yet receive response credit report bureau violation consumer right failure comply federal regulation credit reporting agency investigated federal trade commission ftc see usc et seq disputed item entirely inaccurate represents serious error reporting\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: credit card stolen spent perhaps hour hsbc fraud dept going illegal fraudulent charge one one assured would removed pay owed new card issued sent letter bill circled fraudulent charge assured hsbc customer service people charge didnt make identified would removed charged interest tried calling customer service dept minute wait explained situation talked said need verify pin first explained already called kept insisting go automated system verify pin already entered could speak otherwise zero help asked speak supervisor epic minute obviously never came onthat hour minute speak someone perhaps semblance intelligence rectify hsbc mistake said tried get supervisor couldnt get one excuse wasted hour incompetence want illegal charge taken promised remove interest charge monies said id pay paid owed mispresent truth required take disputed charge make impossible rectify customer service people speak english know bank procedure\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: outstanding medical bill hospital aware submitted collection california business bureau address file anymore think hospital sent letter state moving around craiglist craiglist even set po box mom difficult communicating mail show evidence prove eventually divorced dad address sold since however think sent anything directly anyway think sent collection agency trying fix credit recently set account last year also working also access report anyway showed collection item california business bureau showed hospital called said charged interested also balance two representative really rude last week spoke girl called kept harrassing assaulting never letting finish sentence happy pay despite laid tough time covid defiant said knew made payment mailing despite explaining story continuously attacking disgusting spoke supervisor yesterday rude saying offer lump sum payment bill know covid hit excuse pay money saved people know governor imposed strict guideline ensure people wo evicted company harrass payment company meant compassionate covid angry anyway want acknowledge following unreasonable harrassing behaviour company happy settle original amount trying contact hospital directly responding understanding medical bill ineffective year collection agency made effective want acknowledge aware bill moving around see report evidence mom abusive doesnt help see sold house express knew bill liable pay protected law form harrassment fact willing pay something still trait good behaviour least appreciate communication back forth knew bill apparently liar fact bill left till try make feel guilty appauling people need know law favour come delaying bill form harrassment hope look bahaviour company\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: bought new refrigerator paid card le month received bill saying last payment late submitted payment time sent electronically apparantly took extra day unknown reason charged late fee called spoke representative supervisor neither would eliminate late fee never later always pay bill time always try pay bill quick possible tried explain made payment bring balance tried everything still refused reverse fee closed account told would paying fee sent another statement charging fee balance charged late fee interest saying owe\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: community violation usc\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: ny state unemployment benefit card forced serviced made bill pay test went trough went made transfer fund unable get card another way trying get touch dispute department told speak via phone luck hour hold still one missing money answer phone need help\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: dear gm financial service shocked reviewed credit report week found multiple inaccuracy credit report major credit bureau collection company never dealt attempted several time ratify issue original creditor credit bureau still reporting inaccurate unverifiable information disputed item credit reporting agency reported confirmed account valid honestly believe ever relationship collection agency original creditor also several inaccuracy account way reporting total violation fcra fdcpa law regulation good faith effort resolve matter amicably must demand proof debt specifically alleged contract instrument bearing signature well proof authority matter absent proof must correct erroneous report past debt mine writing request please provide following information please evidence authorization usc e usc f alleged matter authorization law collection information authorization law collection alleged debt please evidence authorization business operate state please evidence proof alleged debt including alleged contract instrument bearing signature please provide complete account history including charge added collection activity day upon receipt letter provide strict proof contract event provide strict proof contract must cease desist collection effort immediately remove derogatory information reported consumer reporting agency addition need provide agreement writing closing file ceasing collecting activity deleting information related reference number credit report youve furnished information event transfer account attorney without providing proof contract proving claim immediate reported code ethic violation\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: reviewing copy credit report noticed collection account placed credit report synerprise requesting allow attorney validate alleged debt unaware outstanding medical bill posse seeking name provider owe debt detailed breakdown fee owe additionally attorney allowed health insurance portability accountability act hipaa protect privacy medical record third party agency give permission current prior medical provider release medical information record third party aware hipaa allows release limited information anything revealed patient signed authorization never given authorization release information accordance right hipaa therefore request validation debt hipaa authorization please provide breakdown fee including collection cost medical charge provide copy signature provider service release medical information also provide original copy contract original creditor give right collect debt pursuant fdcpa cease credit bureau reporting debt validated attorney furthermore debt validated allowed fcra debt relation removed report item validated attorney please send information address listed accept letter sent via cfpb complaint portal formal debt validation request allowed fdcpa please note withholding information received medical provider attempt hipaa compliant violation fdcpa deceiving written request request full documentation received provider service connection alleged debt additionally reporting account placed credit bureau prior allowing validate violation fair credit reporting act allow seek damage collection agency await reply requested proof upon receiving attorney correspond back certified mail\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: bank america ignored fraud claim bank america reinserted account failed notify within business accordance fcra neither b yet inform reinsertion occurred attempted dispute refused even accept dispute card associated fraud claim additionally two claim filed unemployment card serviced bank america denied bank well despite overwhelming evidence showing indeed fraudulent one example fraudster sent name account one account received name bank america handled malice credit card fraud claim ignored frca strictly forbids like remedy set forth creditor like act willingly malice hurt consumer penalty clearly defined per violation plus damage\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: chase advertisement make seem like normal person obtain one great credit card point cash back reward seem amazing tell highly discriminatory give credit people want even qualify even qualify credit request document know possible obtain time know also make record phone call even though asked supervisor specif information remain vague repeatedly ask information know possible refuse flexible even qualify\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: debt incurred late sold new date documented date reported spoke representative explained date wrong debt seven year old representative said actually collect debt would make debt older seven year old\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: well fargo secure card account open went financial hardship loss job miss two payment would help immensely could two late payment removed thats affecting credit report\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: carefully going credit report noticed account credit report reporting inaccurately wrote transunion failed reply within day verify inaccurate account\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account added created unbeknownst notice concern hold accountable accuse complicity exercise malevolent hereby mark likely one might one day view civil discord would plaintiff yet declare unjust claim met deliberate determined resistance counteraction clarity claim debt collection insufficient collection much le reporting must delete unjust injurious allegation significantly deficient requisite certified reporting compliance perfect metro format reporting testimonial evidence physically verifiable proof validation related full truth accuracy completeness timeliness ownership identity true debtor date balance audit calculation source code creditor collection code statement associated trailing fragment minimal five portioned personal identifier pay status required confirmation collection elsewise standard mandatory proper reporting mentioned although checking addressing missing deficient aspect reporting compliance contesting debt compliant nature make aware since unlawful reporting transition collection equally complaint circumstance still yet validated document fact compliance requisite standard announced yet legally knowledge validity alleged claim delinquency derogatory nature certifiably compliant matter either collection attempt reporting despite previous consumer filed composed complaint checking might known especially shall elect take matter civil court debt derogatory claim must pursued particularly collection defined precisely compliant physically verifiable certifiable manner detailed requisite obeyed federal state collection reporting regulation associated noted said claim include limited fcba fcra hipaa privacy rule facta fdcpa tcpa etc additionally entity act collector also elect act reporting party consumer credit must well adhere every single one even regulatory reporting requisite standard reporting legal standing full accordance law accepted reporting standard date plaintiff failed demonstrate capacity willingness validate alleged debt much le certify fair accurate complete compliant reporting claim particularly significantly deficient display certified metro compliance given fact recent breach information collection repository hesitating readily accept presented without testimonial certified physically verifiable document evidence claim legitimate deny nothing yet reserve right question unproven claim accept statement claim plaintiff call court reject claim untrue unverified incomplete compliant otherwise invalid thereby dischargeable requirement dismissed full demand said court resolution today even full accord regulatory statute mentioned date received knowledge ever entering contractual relationship plaintiff forward civil complaint entity y allegedly issued defaulted line credit accusation similar despite repeated call accuser demonstrate requisite presented physically verifiable document proof adequately acquired permissible purpose exactly individual irrefutably identified acknowledgement relationship party mentioned form knowledge ever knowingly acknowledging even unknowingly owe proven compliantly reported debt much le claim unproven debt alleged written declaration checking validity claim also document proof certifiable testimony factual complete compliance standard law even mandatory metro format compliance obvious allegation filed accuser plaintiff clear subterfuge act willful disregard ethical practice done ignorance requisite ethical regulatory compliant behavior accusation collection effort credit reporting claim vile nature derelict unjustly injurious unlawful doubt call dismissal plaintiff statement claim discharge misreported delinquency derogatory behavior accuser complaint undeniably unfairly lodged versus knowledge ever receiving proven document fact statement account account aspect item alleged debt delinquent action reiterate called accuser present document certifiably true correct complete adequately compliant documentation full validation claim right collect alleged claim right report alleged claim let true compliance regulatory requisite mandatory optional plaintiff claim mute legal standing full accordance law must dismissed knowledge ever entering open account plaintiff entity y allegedly issued defaulted line credit derogatory claim credit fact claim even submitted adequate compliant proof genesis relationship inability prove application permissible purpose said alleged application agreement contract describing relationship related alleged claim account debt otherwise derelict documentation claim inherently make invalid plaintiff whole statement claim summons complaint request court resolve adequately compliantly required immediate eradication complaint charge rectification injurious collection reporting practice compliance appropriate collection practice equally compliance appropriate complete reporting practice mandatory optional stand proven otherwise complaining plaintiff unjustly unethically likely illegally absolute deficiency requisite legal standing full accordance applicable law mentioned collection practice well reporting practice particularly inability unwillingness timely fully certify physically verifiable document proof full validity debt claim compliance reporting even mandatory metro format declare right preference stand claim plaintiff call authority integrity ensure truth claim correctness claim completeness claim ownership responsibility debt delinquency debt alleged noted claim perfect compliance collection action related claim compliance reporting action related claim\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: talked nordstrom credit card service remove information account credit report old fail\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: victim identity theft debt belong please see identity theft report legal affidavit attached\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: true identity theft report number report number transunion file number victim data breach ive filed claim accordingly ive attempting clear credit report fraudulent item far back ive unsuccessful\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: cured debt paid emailed copy honda recovery department mr acct addition emailed copy insurance wire well allotment told pick vehicle sent waited almost hour ga stated waiting honda release vehicle later several call m recovery department rude stated day pay wait another several day week raise voice stated extra fee waived care waiting hour never received certified letter stating repossession take place unfortunate covid crisis put financial burden paid due honda apparently m lady earlier stating go get drove hour north carolina met day protocol paid account current status please assist\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: ignore attachment supporting pandemic hoping youre safe sound listen shocked reviewed credit report today found late payment remark credit last year quite sure happening responding see attachment approved extension called back last honestly marked late credit report already called representative stated might error contact credit reporting agency trying reach credit bureau day still received response sure happened reporting error violation written contract even cra reporting incorrect incomplete unverifiable inconsistent information one reporting wrong date last active wrong date last payment bureau showing different payment status etc impossible ever verified please correct delete credit report\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: whoever might read name trying fix incorrect information credit report several time seems nothing changed report figure address employment information false belong business see inaccurate information might really high risk effect business really hope would get fixed soon address employment information need removed credit report employment info address reported ga ga ga\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: contract company aware debt appeared credit without knowledge debt tried reach company solution made problem want taken credit asap owe collection agency money\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer report identity theft obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: writing reason one xxxxxxxx texas getting letter credit card letter person exists need stopped current mailing address please look thank second reason write got letter disputed cant tell status letter credited sure account never got merchandise told merchant well pay please let know status nd please credit sa never received\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account number original creditor usa balance second complaint submitting portfolio recovery associate seek council fraud identity theft tried resolve matter company many time result provided useless knowledge account ever company name social security number private account debt belong asked simple contract simple promissory note attached term condition failed produce either one mean holder due course alleged debt according subsection uniform commercial code since portfolio recovery associate wo remove alleged debt credit report claim owe seeking recoupment subsection defense claim recoupment fraud factor company violation entity conspire help portfolio recovery associate please submit evidence provided resolution section complaint\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: collection account appeared transunion credit report attempted resolve issue agency reported collection collection agency failed validate debt including date first delinquency filed dispute transunion ruled collection account valid received information transunion validity debt according credit report account appears hospital arizona lived set foot arizona year even debt one point valid illegally credit report\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: reviewing credit report account center series derogatory remark credit profile receiving treatment staff aware financial hardship requested however staff failed comply information time progress continuation treatment company insists assistance available according patient insured institution right give information assistance\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: applied card first week offer offer point spending first three month rather apply app concerned cyber security called amex directly apply card stated reasoning upgrading related point offer approved card expecting see point spend well excess called inquire called spoke withe case opened would resolved within week called spoke amex saying issue reviewed resolved since call taker mention offer condition script reading dispute denied offer continues sit charged annual fee probably year customer amex called offer app referenced reason called representative include fine print reading denied pure bait switch advertising\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: balance charged purchase instead payment method selected customer using paypal checkout make purchase party presented screen asking would like pay selected credit card file paypal however upon inspection found paypal charged pp balance without consent instead charging credit card fund paypal balance withdrawn without consent used pay transaction chosen put credit card filed complaint also paypal replied expressly verifying claim stating nothing wrong change behavior\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account paypal georgia unemployment benefit deposited zero fraudulent activity zero chargeback history account account used receive fund week would transfer prepaid paypal mastercard account access well month year paypal placed limitation account requested verify identity providing bank statement prepaid card sending money paypal proceeded lock account tell would holding fund day understand done prevent chargeback loss company however said fraudulent activity bad transaction account feel like taken advantage demand access money name help matter would appreciated\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: company navy federal credit union closed account received two cashier check one checking saving checking cashier check cashed inside navy federal credit union amount placed fund account check cleared saving balance cashed three atm sunday navy federal made available remaining cleared place account use tried make gas purchase came back declined contacted bank navy federal stated check put back hold fund available give another hour wednesday went told navy federal check flag fraud bogus check per teller received information check cleared account paid received confirmation teller stamp went take information navy federal texas teller spoke stated never saw teller stamp didnt understand submitting declined take hold fund per bank bank stamp recognized confused navy federal stated federal reserve hadnt sent information needed release fund stated fdic hasnt sent information check cleared im confused call company company stated dont send information navy federal clear check system need help situation feel like im accused fraud havent committed fraud hard make end meet need bill money time\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: disputing account mine last month sent request credit bureau well jefferson capital system directly sent response back proof showing account bearing signature continue reporting fraud account credit report violating fdcpa fcra\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: writing complaint letter reference falsely reported fraudulent debt collection agency wakefield associate failed furnish information required consumer law failed provide itemized invoice original contract payment date service location service also filed complaint state state florida indiana tennessee forwarded fraudulent bill wakefield associate wakefield associate also filed federal state complaint demand fraudulent debt negative credit reporting removed credit report debt deleted\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: attempted log onto online bank america account said account locked called stated close account due investigation account closed rep also stated longer want customer explain even reason investigation bank since find unprofessional even give reason\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: refinance process poor service communication quicken mortgage submitted question taken week receive response instead stated hour explained app could view action item said would day later could still see said complete see finally random quicken person called start refi clearly middle one solicitation caller transferred one could email document needed sign manually say pending item hoa second mortgage holder contacted still day state heard quicken delaying process proactive following want refi completed asap another month make payment suppose make\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: called unauthorized transaction merchant name took account involvement merchant ever account card used without authorization\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: debt dispute remove account reappear account ask validation debt refuse valid account place credit bureau coursing credit drop\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: contacted well fargo refinance home mortgage california paid mortgage time many year went application process submitted tax return struggle communicating home mortgage representative week went returned phone done application denied income feel discriminated woman offered submit bank statement validate income told representative problem paying mortgage covid please help able refinance lower rate without issue\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: beginning debit card started declined went online banking portal chase able confirm account fund available went secure messaging portal see issue current notice indicating issue account assuming issue might bad chip contact chase phone order replacement debit card meantime added someone account approximately week prior new debit card linked account arrived activated card also declined attempted use following card declined drove local branch spoke banker informed restriction account unlike normally see telling restriction called corporate number time informed social security authorization issue struct odd branch two week prior added someone account provided passport form identification banker instruction corporate line submitted ssa form branch leaving told call corporate confirm receipt document account unrestricted day called later afternoon instructed preparing go town gentleman spoke initially able find completed form ultimately found informed would account unrestricted day left without access fund without access account since weekend unlikely access account meantime could see fund account autopays rejected informed detrimental effect personally well financially told could override could go local branch make withdraw attempted call several neighboring branch unsuccessful getting contact inaccessible phone line also something encountered chase finally reached branch approximately minute away point taken majority day work able drive branch time weekend saturday new debit card arrived tried log onto online banking portal unable monday account still accessible card still working called chase corporate hotline informed account automatically closed indicated received letter mail informing authenticate social security number since failed account closed saving checking account cleared remaining balance would mailed would take business day arrive aforementioned letter received informed deliver activated mail indication letter received chase additionally inquired notice sent secure messaging system regarding issue said could handled mail however even matter could addressed mail notice informing look mail would minimum courtesy could extended finally requiring response something sent mail unfair business practice additionally timeline show told morning account closed appeared told fill form submitted would set day also ackowledged situation mishandled opened internal chase complaint behalf chase complaint id find without access money check mailed earliest expect see autopayments returned due lack funding every penny mailed way ensure check arrive would never ever chosen mailed inquired could go branch get money since check yet mailed told account closed nothing could done monstrous unethical behavior branch corporate office idea happening unprofessionalism lack empathy abounds\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: way background victim wire fraud took place initially started text message stating someone attempting purchase worth product using debit card tied account text immediately followed email directing call confirm purchase naturally first instinct call number heard frantic thought someone access debit card info called number listed email reason believe authentic legitimate correspondence appeared genuinely upon speaking fake rep identified instructed download two apps would serve added security protect account future security breach thought talking bonafide security rep exacerbate problem received text genuinely appeared citibank asking authorized payment selected option please keep mind chain communication citibank appeared authentic reason suspect drawn web deceit compromise bank account subsequently spoke real citibank informed never sent notification asking conducting transaction kind led question decline large transaction account set receive fraud alert suspected activity important stress time personal identifying information shared scammer explained initial claim never authorized payment provided ample proof abundantly clear point victim fraud quite honestly wondering inside job given position citibank taken quick turnaround thorough investigation find interesting one citibank investigator told fully understood plight something similar happened family member arrived decision claim fraud something perpetuated ask would put unnecessary chain event concerned account potential negative impact credit rating well reputation citibank bank may subsequently chose business appalled since incident subsequent call customer service attempt conduct certain banking function money someone seems scrutiny feeling though criminal clearly victim entire situation caused tremendous unrelenting amount stress anxiety summary fraud scam widespread believe citibank woefully negligent protecting account breach sending text verifying authorized wire transfer year citibank never sent wire transfer later learned difference wire transfer transfer itt transfer apparently fraud barrier place work customer citibank year never negative activity account episode feel money safe business appreciated aside also like note week prior incident received text citibank asking using debit card maybe incident related perhaps clearly rampant fraud going citibank know citibank need bear responsibility fraudulent activity perpetrated restore account would also like add recent conversation citibank representative regarding privilege reinstated asked wire transfer stopped canceled told citibank whats called wire transfer stop payment total contradiction previously told perhaps recognized scammed called bank stop payment wouldnt know wherever money wired end point live society technology pervasive everything footprint also learned recently several reliable news story citibank inadvertently wired money vendor cant retrieve money im wondering citibanks error impacted getting money back sincerely\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account opened name without consent tried call see account established old address used setup stimulus check deposited card avoided every since brought attention call transfer phone hang filed police report prove case account closed mentioning compensation account opened money deposited card taken atm shortly alert anything matter im extremley devastated please get back earliest convience\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: applied moneylion loan back first loan went smooth made monthly payment late payment auto pay first loan get paid apply one loan moneylion keep gaining credit another loan loan loan ruined credit moneylion basically scammed first payment going well bank account got closed longer high school got college checking account first thing try changing account app didnt work tried calling multiple time every time hour hold wouldnt help change bank account told change via app im missing payment payment allowing helping change bank account point tried calling pay whole loan different bank account still wasnt allowed since credit dropped completely moneylion isnt fair disputing credit bureau calling moneylion complaining still received help point im ready get lawyer help money lion credit year missed payment finally getting great customer service rep one customer service rep said dispute credit bureau would forgive paying loan full payment wasnt different bank account used investment account liquidated still didnt allow change bank account moneylion llc seen several complaint lot people moneylion review site ive seen class action law suit moneylion see im individual issue\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: receiving current copy credit report discovered entry idenitified inquiry qualified deletion report\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: car loan son car repossessed didnt find called ally financial resolve car loan payoff loan full since repossessed wife wire transferred ally bank day tile car still lean ally refuse remove sell car begged day payoff paper record show loan payed told ally obligation send anything still charge credit report refused fix payed full buisness depend credit think wrong treated way didnt know else call time month fix avail please someone help resolve nightmare done everything ally financial asked treated like dont matter\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: downloaded paypal business invoicing software said payment take day since new client agreed since client wanted pay via new paypal invoice sent amount available tomorrow instead invoicing software changed day wordage say since new customer take day money clear agree keeping money three week even money went paypal would still take time clear bank unacceptable conspiracy theory using money put stock paypal loan currency gold silver serious bait switch two hurricane way took money likely loaning people actual physical payment made read information via app drastically different currently paypal invoicing software desktop currently think coincident least\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: gave ex roommate deposit apartment share including utility gave notice bogus electronic mean already vacated apartment without knowledge lease legal tenant lease gave illusory tenant agreement led highly suspect eviction current rent utility included monthly payment company changed utility name without knowledge consent attempting collect ruin credit trying rebuild year ny ny\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: chase bank one account revolving credit card credit limit balance received alert credit score went point overnight pulled credit report saw chase bank improperly reporting account twice therefore credit usage new account opened short period time negatively impacting credit score process buying new home false reporting may potentially adverse effect demand fixed immediately documentation provided chase bank within prescribed period time fcra evidence remediated additionally chase give client option dispute credit reporting error via phone via email expect consumer mail dispute processing center wait day response absolutely ridiculous chase provide automated solution fix error due negligence\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: first complain onemain hard inquiry recognize mention company send email see attachment onemain offer call discus issue well call company many time already send dispute letter hard inquiry true mayor reporting agency dont think need call company investigate matter delete hard inquiry\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: sure right category happened complaint opening unauthorized paypal cash plus account generated balance negative paypal account since never aware paypal cash plus account opened paypal paypal tell account opened exactly give totally contradictory conflicting information one representative writes paypal cash plus account opened sometimes accepted payment kept paypal balance another paypal representative writes new account opened confusing account opened contacted paypal told account opened without affirmative action taken opened existing account due federal regulation required change allegedly paypal sent email sometimes informing change officially went affect paypal send copy email application confirmation acceptance contract regarding term condition alleged paypal cash plus account yet paypal insist paypal cash plus account term condition binding paypal stated apply rebranding based confirmed identity already change anything account beyond speak balance referred cash plus balance beyond one change nothing brand new account think like store go remodel fresh coat paint like new store yet another representative stated paypal cash account customer wish keep money paypal rebranding already existing paypal account customer using paypal cash account access basic balance functionality including ability shop balance send money friend family using balance receive money balance set money pool paypal cash plus account eligible additional feature like paypal cash mastercard receiving paycheck via direct deposit setting organization tool like goal change happened paypal account new regulation set government ill need type account maintain another paypal rep said paypal cash account created payment received money accepted option keep money paypal chosen instead transferring bank paypal give date allegedly happen paypal website paypal state personal paypal account holder also ability get paypal cash plus account get paypal cash plus account applying enrolling feature product paypal cash card debit mastercard paypal business debit mastercard direct deposit automatically add pay check balance goal manage money held neither rebranding something accidentally create keeping balance paypal account something apply three listed act yet paypal insist repeatedly informed email year ago cash plus account created changed given new name based level identity confirmation completed confused guided paypal statement public posted paypal website fact following none le admittedly never enrolled applied paypal cash plus account admittedly paypal cash card debit mastercard admittedly direct deposit automatically add pay check balance admittedly set goal manage money held yet paypal cash plus account contract yet paypal insist bind user agreement service never applied paypal even resend alleged email triggered one version paypal opening paypal cash plus account pinpoint transaction another version paypal created paypal cash plus account seemed consensus never applied open paypal cash plus account mysteriously opened paypal cash plus account negative balance paypal cash plus account allegedly serf balance account use paypal rep word paypal cash account customer wish keep money paypal customer using paypal cash account access basic balance functionality including ability shop balance send money friend family using balance receive money balance set money pool yet bill submitted account paypal spinoff company bill paid paypal immediately without consent even though balance paypal account paypal cash plus account none backup payment source sufficient fund cover alleged bill none le paypal approved transaction paypal cash plus account never applied enrolled etc allegedly created sole purpose keep positive balance use different purpose negative balance ii complaint unauthorized collection practice wanted dispute charge paypal told billed refund billing agreement set paypal collection company verify charge account hence billing agreement validate charge dispute charge paypal refund disputed amount charge validation valid judgment regarding dispute allegedly balance account paypal automatically created rebranding existing paypal personal account could negative balance paypal refused charge request money neither paypal personal account paypal cash plus account funding source associated account credit account negative balance paypal never applied negative balance bill dispute never authorized thing cfpb requirement paypal complied moreover account went negative balance discovered authorization paypal account among company etc recall creating called autopay intentionally sure created let get anyway soon discovered listed autopay removed time charge account paypal later claimed charge came autopay removal even though appear account nonetheless autopay assumes automatic payment valid charge case paypal least supposed collection company validate charge dispute charge denied final dispute resolution alleged creditor alleged debtor paypal also argue charge result resolution favor buyer account agree dispute resolution procedure agree accept fact finding waived constitutional right jury trial case civil dispute agreement matter manner agree bill directly case find buyer favor transaction part billing kind agreement bill sole owner paypal account judgment arbitration award connection claimed debt allegedly owe judgment arbitration award would state amount allegedly owe levy order court competent jurisdiction would authorize paypal accept charge valid objection levy order court competent jurisdiction would authorize paypal withdraw withheld money without authorization account paypal financial company owes fiduciary duty paypal deduct pardon create account order enable paypal approve unauthorized charge add insult injury initially told even dispute charge later allowed file dispute decided le hour favor last least pay pal stated least another paypal account holder opened account information provided cfpb upon request opening paypal cash paypal cash account automatic one apply card card linked person paypal account order open paypal cash plus account believe cfpb investigate matter paypal attempt validate unlawful action opening paypal cash plus account existing user without existing user knowledge agreement bend twist fact serve paypal purpose including limited misstate scope purpose paypal cash plus balance account citing cfpb regulation cause paypal collection company thus act like one especially debt verification requested paypal customer charge either unauthorized charge thus prove validity assuming paypal financial institution paypal customer least right debt verification assuming paypal collection agency paypal admittedly confirmed writing even contact regarding transaction neither validate alleged charge validate alleged debt\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: capital one gave u grace period couple month early part pandemic turned auto pay received notice missed payment nearly month late promptly responded paid late fee paid remaining balance third week car loan closed month early never day late time loan clerical oversight normally automatic payment capital one never contacted u first filing delinquency credit bureau credit score dropped point action egregious abuse power especially steep economic recession even made payment brief holiday gave u\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: fedloan notified needed recertify income repayment plan currently administrative forbearance provided care act unaware act delayed recertification date six month need recertify income went ahead provided requested information fedloan resulting increase monthly payment asked fedloan cancel application already processed information stated go back previously approved payment amount result monthly payment increase forbearance scheduled end\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: taken account cooperating investing claim need help getting hard earned money back\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: year back entered agreement student loan reinstated payment plan part agreement late payment removed account updated credit reporting bureau never done despite u following negatively impacting credit\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: card locked sent identity formation received rold business day unlock account called back told business day called back tenth told day card still unlocked im receiving payment ca pay bill\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account showing late fault please reverse late charge account great credit also due care act way account show negative remark please reverse none creditor care claim account deferred dispute date last first\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hello making complaint clear path lending part sudden denial pending mortgage refinance contacted clear path lending end begin process refinancing house virginia put charge file first phone call cordial attitude helpful explain process filled signed various document provided including wet sign signed scanned various question pay anything upfront provide various document went weekly process first week would send form would either electronically sign acknowledge send back got process asked insurance information wait day get information mortgage carrier provided clear path information received made single comment lender placed insurance told money replace roof bad odd rule virginia roof house must replaced every year told put roof house leak usable condition said nothing cancelling stopping process continued forward process sent last paperwork told loan would fund end good go week received woman clear path lending informed process stopped entire process cancelled lender insurance informed worked told going problem nothing worry process move forward repeated said nothing replace roof get private insurance process cancelled pleaded find way around issue stated issue take long determine clear path refinance house stated know answer phone call add insult received loyalty package mailbox take great offensive treated final day trying refinance marginallized failure process made fault one would lift finger find month positive progress process suddenly stopped final insult recently received borrower determination letter mail letter state borrower withdrew application lie blatenly false withdraw anything cancelled knowledge told fact side note entire process hard inquiry credit report withdraw statement credit history clearpath lending predatory tell people entire story beginning loan processing application cancel warning lied manipulated blatent false advertising even false promise need attention brought light deception bad buisness practice outright lie manipulation potential customer along process spent send form faxed asked reinbursed spend fax signature issue described also\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: charged x draft fee multipole account capital one caring huge balance fee charged one particular congregation account told account set overdraft backup draw fund account overdrawn never occurred instead charged time phone provide small refund fee still remaining total fee unfair form capital one charge excessive fee following reason covered overdraft form linked account profit business afford excessive bank fee based overall relationship capital one huge balance account due difficult situation devastating congregation effect operation\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: chime online banking company made multiple deposit last year without issue chime made unauthorized withdrawal checking account totalling suspended account unable access money taken money previously deposited totaling called spoke manager understand happened refused assist unless provide picture holding driver license picture front back driver license proof address documentation verifying transfer make written explanation origin intended purpose cash fund recently made bank statement check stub given day comply cancel account money feel like scammed comfortable providing information contacting regard unauthorized withdrawal\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: writing respond t reply complaint well correct complaint correctly explain situation complaint attest following meant express initial complaint learned back year old parent signature forged onto mortgage note could buy home sign note document related purchase home state college time idea parent using personal information income employee company qualify mortgage loan information never appeared credit report name printed monthly mortgage statement learned name account account started reporting credit bureau soon learned could make complaint cfpb assistance filed complaint accurately describe problem complaint also alleged predatory lending practice didnt mean engaged anything predatory meant felt something wrong parent forge child signature buy house wrongdoing likely part parent lawyer mortgage broker\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: threatened u charge something called continue seeing per hour course agree thinking empty threat recently checked credit report found derogatory item indicating owed called collection agency listed explain presumably aware helping perpetrate fraud give chance correct situation response burden prove fraud would act replied would difficult prove negative specifically authorize charge whatever said could prove could help promptly hung fraudulent charge doctor imposed charge know suspect collection company know also know virtually impossible prove without expending resource far larger amount debt also know value credit score therefore trying blackmail paying debt owe\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: called mt bank discus option reducing credit card debt monthly payment balance currently requires min payment per month due situation left unemployed talked somebody told go website get help previously website option mortgage car loan like nothing could help case hardly option credit card owner thing available account bad standing use form apply get back good standing present moment missed payment due next week call bank inquire way prevent arranging sort alternative payment lose good standing status currently promotion automatically turn default something like skip payment automatically incur thousand dollar fee penalty naturally trying avoid clearly explained representative replied business apply hardship relief account past due basically told charge every fee interest penalty start looking application see anything repeating representative want end fact situation told nice day hung imagine blatant brutal arrogant disregard somebody hardship situation sincere attempt keep good standing status\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: debt owed collection paid decided settle sudden portfolio recovery different collection agency stating still owe already settled aforementioned date wrong information portfolio recovery credit score gone drastically right\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: fedloan servicing notified required submit annual recertification idr plan federal student loan timely since learned department education false misleading demand due deadline recertify idr plan extended least month mean example scheduled recertify required recertify fedloan false recertification demand threat take idr plan new calculated idr payment much higher would let know fact required recertify least another month deceptive notification practice demanded fedloan roll back recent recertification put previous monthly amount back place refused hope cfpb hold accountable\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: closed refinance title company submitted payment tax amount since posted county tax assessor current lender newrez shellpoint also paid tax contacted county advised lender payment rejected return via batch number title wasted many hour phone trying get resolved monies returned never hear back last call title new rez supervisor said would personally call u back day still nothing month resolution sight\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: applied refinance via broker referred locked rate along uploading document requested bank provident funding scheduled appraisal day done within day title work ordered came back clear requested doc submitted bank within time frame always within hour request punctual looking quick easy close thing order excellent credit every couple day bank would ask something else delay something else time seemed like intentionally delaying provided everything asked roll around asking tax done accountant handle due covid pandemic understand thing delayed reasonable due situation jump hoop accountant even though tax due everyone know however seem like trying delay process able get letter accountant stating preparing due ask bank account information done time broker changing lien holder homeowner insurance required bank want proof business running supplied want business website along transaction history bank account already provided sent copy broker well posted via website apparently know dba website address match provided well day see trend want see bank account information yet got twice also broker day ago within hour show loan approval however rate lock expiring wo let close without extended big deal discussed broker free rate extension closing soon texted broker zero contact reply charging point loan close time agree done good faith signed speaking broker want delayed anymore contact next couple day reached broker asking contact number move along one put case via system week ago tried occasion reach bank via phone left message none returned get touch bank broker call back either say hand tied ok find little strange guy bringing bank business able get someone phone pandemic normal situation could super quick done le week ordered title work appraisal day initial application realize people working home everything end done remotely timely fashion expected nothing delay inconvenience busy work delay closing loan ready close day time day location told broker last week filing complaint received email bank asking provide proof business open three week ago closed submitted harshly worded letter letting know process unneccessary dragged reason make sure actually read submitted proof requested business still open letter told filing complaint believe treated fairly efficiently charged rate penalty ready done left loop\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: problem company fell behind\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account prior acquisition account cancelled called confirmed account cancelled paid amount due day month later got bill called ensure resolved get confirmation directed emailed resolve directed call customer service team assured billing erroneous need take action got letter credit control corporation regard bill called resolve spoke representative company told confirmed need pay note added account stating requested email confirmation discharge debt told sent never received confirmation also emailed credit control corporation validate debt discharged get confirmation written form\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: company call several time day passed loan due date even updated sending payment late call harassing manner poor customer service gotten several verbal dispute different people call one seems updating note poor health added much stress recently recovering explained along would sending payment harassing call continue would prefer call send correspondence thru mail email even daughter called behalf complain manager rude company need work customer service skill\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: checking report today noticed inquiry report im aware know reporting anything inaccurate report fcra need eliminated immediately dont mean upfront im trying better life inquires transunion transunion transunion transunion transunion transunion transunion transunion transunion transunion transunion\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: charge account collection need removed immediately late payment account collection closed account late payment account collection meaning reporting open limit past due payment status\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: barclaycard reward mastercard ending switched paper statement hospital due health able access internet online notified company several time received paper statement last month\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: receiving current copy credit report discovered entry identified inquiry qualified deletion report\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hello firstly negotiation refinance rental property ca chase sent u document wrong property included daughter co signed never authorized discussed currently signed agreed submitted paper work two week ago kept copy received loan agreement mail today interest rate changed originally signed chase denied negligence inconsistent hard reach problem\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: called bank america late asked help credit card due pandemic crisis specifically asked lower interest rate told could postpone payment im writing would exacerbate problem resulting higher balance month making even harder pay card ive credit card year making large payment back relocate due fire take lesser paying job pay higher rent couldnt make high payment continued making payment time past year unfortunately high interest rate diminished payment made impossible someone situation even worsened another natural disaster pay card ive paid interest statement attached ive paid interest statement attached ive paid interest year time last statement add average balance little since beginning ive already paid half owe interest therefore ask bank america please help lowering interest rate least point pay balance\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: applied american express magnet card following two promotion apr month cash back spending first day chatted american express customer service told getting either promotion feel cheated case told advance wo opened card first place dubious act fooling customer moreover amex let send chat email let print\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: credit consulting erroneously illegally reporting collection credit report contacted confirmed bill paid insurance credit consulting refusing believe requested validate account disputed bureau credit consulting deleted one account rereported new account added new account different bureau shoudl legal please help\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: unauthorized charged account still negative put back account showed negative submitted fraud say account negative reported spoke another rep work fraud department business use account anything deposit cashier check pay mortgage never made transaction debit card one use atm think representative bank gave information please looked\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: back lost wallet personal information inside think much went get new social security dl continued everyday life never issue couple day ago decided pull credit continued get suspicious letter mail looked report shocked number item opened name suspicious item mine contacted ftc local police behalf please remove report u dept ed xxxxxxxx company inquiry xxxxxxxx xxxxxxxx\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: great lake student lending sent email complaint department billing telling emailing past due notice telling im past due future payment called today spoke customer service filed information faithfully paid many year billing stressful threatening fdcpa tell im past due im due paid clear violation\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: applied usda home loan first interstate bank contacted loan officer husband credit ran time period day many inquiry damaged credit bank never even got back u week called weekly left message loan officer week called branch work told email receive response week still contact called first interstate bank told someone would contact hour still contact\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: reviewing equifax credit profile seen inaccurate account reporting late payment back account never late account\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: disputing account account never apartment never authorize account reporting wongful account credit report name account amount fraud account\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: trying get mortgage modification several year since went court case dismissed working legally aid society always submit document time response received denial credit report blocked credit report cant blocked security freeze sent proof credit report security freeze credit bureau also requested tell credit bureau trying pull resolve issue give sending proof resubmitted another loan modification packet requested document denied saying credit report could pulled due blocked going several month getting aggravating\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: injured consumer currently unproven compliant valid misinformation demand remove immediately claim related alleged delinquency claim collection aspect account potentially injurious prove alleged derogatory reporting claim charge fully true correct complete timely valid physically verifiable document testimony certifying data allegation every notation aspect date balance payment balance calculation accounting audit identification personal identifier pay status source code mandatory correct complete statement trailing fragment sequential confirmation collection creditor classification code collector class code aspect requisite perfect reporting mentioned including mandatory perfect metro format reporting compliance compliance reporting validity claim minimum mandatory criterion report optional must adhere state applicable federal reporting law else subject civil action suitable penalty fine dereliction willful nature ignorance matter remove aspect delinquency y derogatory allegation obtain retain return reporting legal standing full accordance requisite mandate law mentioned demand today even\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: problem macy credit card limit purchase advertise wo allow transaction go dept limit allowed transaction plus pending transaction limit destroyed credit score got decreased point insane additionally transaction went billing statement ready balance limit statement date already allowed might say interest charge applied still sum ironically allowed transaction also might say transaction pending make sense something pending allow purchase another example insane fraudulent match advertised service term please see screenshots better understanding\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: applied received loan covid hit leave laid due shut california notified going time going late payment etc currently possession car illegally fee required retain vehicle paid refused give statement account saying copy email copy attached yet deactivated link document responded request access date payed well told two employee none payed applied principle loan interest requested settlement quote told amount owed account child without vehicle crook\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: get monthly check direct deposited well fargo account already received one may well went wrong account said changed online eft set submitted form copy provide anything signature changing account number thati mine dont kniw see mistake neither correct went account see withdrawn received get neither whats needed electronic check name account number well fargo correct keep calling getting transfered andexcuses obvious mistake unwilling correct help\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: citi premier card citi simplicity card card usually make minimum payment genuinely missed payment due date paid late\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: received letter company trying collect debt written original creditor letter state different balance amount owed checking credit report account show tell account fallen researching online found company try get agree owe debt accept smaller amount settle\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: choose extend lease made several attempt calling kia never received extended lease contract note know phone one rep hour thursday told plus phone record match helpful day trying get problem resolved previous rep took seriously said spoke supervisor able speak also said made sure include previous problem note also spoke collection department never made late payment missed one contract payment going towards loan told day collection dept order tow take day order go contract signed everything received contract signed car still towed day called kia immediately extremely rude told nothing could refused get supervisor even refused read note told call tomorrow get much nicer rep apology read note supervisor said good news release car pay also pay sheriff dept tow yard kept trying call kia tow yard kept hanging picked frustrating take advantage people extra money give away especially hard time like told tow yard one happened reading today first time scary get away unacceptable caused stress\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: major issue navient misallocating payment sent navient customer service hello whenever got make payment come let pay interest noticed payment capital went interest entire payment went toward interest last payment wanted make sure paying mostly capital went toward capital rest went toward interest option apply payment toward capital thank never received meantime continued making payment applied repayment plan choice work nonprofit making noticed payment began applying interest instead unpaid capital apparently lower payment repayment plan le allowed pay toward unpaid principal provided information applying fact provided even legal made seven payment since start repaying loan double payment debt increased understand interest work however math never able pay unless pay full point willing pay hundred month refinancing mean getting away navient systematically trapped mountain debt\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: link account trying six month\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: citibank consistently removed fund associated checking account pay credit card balance without authorization closed phone line making impossible speak representative phone advised client use chat feature app used feature representative unable resolve issue advising call manager line also closed indefinitely citibank representative refuse schedule call provide manager via chat meaning way resolve issue issue occurred twice\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: equifax violation fair credit reporting act demand account report paid full balance final last notice send equifax regarding matter university provided email letterhead letter debt paid full balance please see responding consumer financial bureau report account paid full balance reported account numerous account must report paid full balance reporting notification sent three bureau please see attached receipt email letter\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: approximately two week ago spouse left discovered chase account opened spouse name immediately called chase report situation well report card name missing spouse named authorized user account took two hour able speak customer service representative time also requested online access account reset due request passed around representative representative almost three additional hour disconnected tried reset account online phone number email address listed security verification account valid since therefore access account online since called chase four time trying get issue resolved passed along representative representative held multiple hour told could done disconnected every time trying simply gain access account name credit report get assistance chase customer service representative please online access deleted start fresh correct email address cell phone number get statement figure going account\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: lost career due spouse try live social security alimony individual filed suit owed money large amount know woman ex spouse called asking medical advice ugly divorce spouse brought back medical advice caused loss maintain life called week brought back asking medical advice issue help put together medical team divorce medical condition causing high comorbidity could buy medicine food called give gift harassment started tell could help anymore would answer phone would call police well check come wake police even woke neighbor told going kick door suit filed large amount gift social security alimony bank america account locked buy med food taking multi amount account showing alimony account social security account allowing access payment severed anything attorney notified bank happening money taken without warning security camera due abusive spouse attack dog property fully fenced serviced thing know court date could gone anyway due medical condition drive car even placed adult protective service due abuse spouse state worker think since good friend still part abuse even gave account number\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: cant remember exact date unfortunately tried lower payment income driven repayment private loan reason unsuccessful navient\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: chexsystems reported negative review incorrect amount owed caused decline open checking account chexsystems notified reported amount per fair credit reporting act\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: advised company multiple occasion remove medical collection violates right per hipaa act medical information confidential neither company commonwealth financial removed medical collection credit report\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: dispute credit bureau far nothing happened believe victim identity taft product could wrong need someone help look please\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: dear sir madam paid two payment mistake mortgage loancare servicing reached many time requesting return extra payment continued ignore request two week constant calling requested send bank proof told everyone refund would sent payment really created great hardship family appears real concern anyone loancare seek civil litigation attorney week dont get response phone number\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: ftc violation la la la address account detail last reported creditor name account type unsecured loan account status closed opened date creditor name account type secured loan account status closed opened date closed date limit term month monthly payment responsibility individual account balance highest balance payment status worst payment status date last payment amount past due time day late remark charged account creditor name account type unsecured loan account status closed opened date closed date limit term month monthly payment responsibility individual account balance highest balance creditor name account type charge account account status closed opened date closed date limit term monthly payment responsibility individual account balance highest balance creditor name account type secured loan account status closed paid closed opened date closed limit term month monthly payment responsibility joint account last reported creditor name account type education loan account status open opened date limit term month monthly payment responsibility individual account balance highest balance payment status current worst payment status date last payment amount past due time day late remark fixed rate payment history latest status current ok ok ok ok ok ok ok ok ok ok ok ok u u unknown creditor contact detail pa account detail last reported creditor name account type education loan account status open opened date closed date limit term month monthly payment responsibility individual account balance highest balance payment status current worst payment status date last payment amount past due time day late remark fixed rate payment history latest status current ok ok ok ok ok ok ok ok ok ok u u unknown creditor contact detail pa account detail last reported creditor name account type education loan account status open opened date closed date limit term month monthly payment responsibility individual account balance highest balance payment status current worst payment status date last payment amount past due time day late remark fixed rate payment history latest status current ok ok ok ok u u u ok ok ok ok ok ok ok ok ok u ok u ok ok u u ok ok ok u ok ok ok ok ok ok ok ok ok ok ok day late day late u unknown creditor contact detail pa account detail last reported creditor name account type auto account status open opened date closed date limit term month monthly payment responsibility joint account balance highest balance payment status current worst payment status date last payment amount past due time day late remark affected natural disaster payment history latest status current ok ok ok ok ok ok ok ok ok ok day late day late creditor contact detail tx account detail last reported creditor name account type auto account status open opened date closed date limit term month monthly payment responsibility individual account balance highest balance payment status day late worst payment status date last payment amount past due time day late remark affected natural disaster fixed rate payment history latest status day late ok ok ok ok ok ok ok ok ok ok ok ok ok ok j f j j n day late day late creditor contact detail tx account detail last reported creditor name account type note loan account status closed paid closed opened date closed date limit term month monthly payment responsibility individual account balance highest balance payment status current worst payment status date last payment amount past due time day late remark payment history latest status current ok ok ok u ok ok ok ok ok ok ok ok ok ok day late day late u unknown day late day late creditor contact detail la creditor name account type secured loan account status closed opened date closed date limit term month monthly payment responsibility individual account balance highest balance payment status worst payment status date last payment amount past due time day late remark charged account payment history latest status ok ok ok ok ok ok ok ok ok ok ok ok ok day late day late day late day late creditor contact detail ct account detail last reported creditor name account type secured credit card account status closed paid closed opened date closed date limit term monthly payment responsibility individual account balance highest balance payment status day late worst payment status date last payment amount past due time day late remark last reported creditor name u dept educatio account type education loan account status closed paid closed opened date closed date limit term monthly payment responsibility individual account balance highest balance payment status current worst payment status date last payment amount past due time day late remark creditor contact detail la inquiry date removed inquiry type credit union creditor contact detail la inquiry date removed inquiry type credit union creditor contact detail ct inquiry date removed inquiry type personal loan creditor contact detail la inquiry date removed inquiry type personal loan creditor contact detail ct inquiry date removed inquiry type personal loan creditor contact detail la inquiry date removed inquiry type automobile dealer creditor contact detail la inquiry date removed inquiry type personal loan creditor contact detail la inquiry date removed inquiry type credit union contact detail la inquiry date removed inquiry type personal loan creditor contact detail la inquiry date removed inquiry type personal loan creditor contact detail ct inquiry date removed inquiry type personal loan creditor contact detail xxxxxxxx la inquiry date removed inquiry type automobile dealer creditor contact detail va inquiry date removed inquiry type auto financing creditor contact detail tx inquiry date removed inquiry type auto financing creditor contact detail mn inquiry date removed inquiry type auto financing creditor contact detail la inquiry date removed inquiry type credit union creditor contact detail de inquiry date removed inquiry type bank creditor contact detail mn inquiry date removed inquiry type auto financing creditor contact detail va inquiry date removed inquiry type auto financing creditor contact detail la inquiry date removed inquiry type credit union creditor contact detail la inquiry date removed inquiry type credit union creditor contact detail la inquiry date removed inquiry type automobile dealer new creditor contact detail la inquiry date removed inquiry type automobile dealer new creditor contact detail contact information reported creditor inquiry date removed inquiry type credit union creditor contact detail contact information reported creditor inquiry date removed inquiry type credit union inquiry collection ftc opened original creditor\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: american express attempting contact regarding debt previously incurred home cell telephone number made three attempt previous two day breach fair debt collection practice act fdcpa called attempt locate given already working contact detail also breach telephone consumer protection act tcpa using robocaller order attempt\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: victim identity theft debt belong please see identity theft report legal affidavit attached\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: back requested payoff amount alliant credit union mortgage effective received payoff statement showing cu would wire incorrect amount could adjust number later paid mortgage got another payoff statement showing using principal balance earlier statement flurry started doubt number provided requested audit three different time got none downloaded amortization schedule mortgage performed number agree cu told interest paid arrears sent full dossier mail respa office address cu received day acknowledgement receipt reply ever received sent follow letter respa result instruction indicate include much info needed reproduce entire dossier sent respa believe property address likely important nv thank help\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hello accidentally sent money wrong person venmo amount venmo tell nothing person get keep money believe anything venmo responding request inquiry contacted person sent money several occasion responding assisting way help would greatly appreciated thank request inquiry\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hsbc advanced customer past year hold account bank across multiple geographical location one account hsbc advanced credit card account opened sometime branch hsbc reviewing credit card statement noticed fraudulent transaction amounting transaction executed please also note period authorised scheduled direct debit transaction amounting also executed card direct debit transaction perform transaction card possession recognise transaction therefore called hsbc fraud helpline report case logged per call investigation received letter hsbc registered address fraud claim denied letter also stated supposed pay amount full result finance charge copy letter attached called hsbc fraud helpline appeal decision also understand reason denial fraud claim requested written explanation denying claim however still provided business day since fraud first reported call hsbc requested file police complaint send copy complaint visited police station filed criminal report written copy made available police complaint copy shared hsbc via email attached number phone call subsequently made hsbc follow claim however claim continue outstanding bank continues request full payment transaction hsbc also provided timeline resolution response call fraud helpline resulted random answer latest interaction hsbc fraud department told hsbc day timeline resolve fraud claim notified timeline first interaction however notified timeline moreover hsbc letter dated clearly stated matter stand closed expected make payment full would like bring case cfb seek help getting resolution fraud transaction hsbc credit card transaction executed impersonator seem stolen card sometime detail document attached hsbc dispute latest hsbc credit card statement hsbc transaction transaction highlighted red fraud requesting hsbc reverse copy police complaint credit card fraud complaint copy email follow ups hsbc far\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account listed credit profile belong\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: back signed loan modification agreement made three agreed upon payment required completed process loan transferred honor agreement payment indicated loan modification returned reported delinquent credit bureau fulfilled obligation agreement provided documentation business credit bureau able get removed gotten loan modification approved back\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: banco popular puerto rico offered consumer mortgage moratorium due initial written offer payment moratorium paid end mortgage u accepting moratorium banco popular sent written confirmation letter acknowledging mutual agreement month later sent another letter extending period month moratorium reiterated wanted stick month already agreed month later banco popular called u say qualify moratorium least payment sent moratorium stated wanted stick agreement advised pay mortgage month required qualify last month sent new letter demanding payment month supposed part agreement scanned sent official letter sent accepting moratorium today tried process payment instructed refused post mortgage account somebody make banco popular responsible honor written offer ask banco popular payment moratorium offered accept writing situation causing u distress mental anguish thing follow instruction offer help according banco popular employee hundred consumer going ordeal thank\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: collection account national credit system placed first account date last payment however claiming date last payment incorrect also reporting date first delinquency second account saying never paid provided ledger activity lived pay sure deposit could move ledger paid submitted numerous dispute provided ledger information w dispute keep coming back contacted national credit system remove collection account providing information ledger payment activity keep saying national credit system providing information data correct isnt correct use ledger providing going national credit system say would like file formal complaint using ledger show actual information would like file formal complaint national credit system collection account saying owe false date first delinquency date along last payment made false im providing actual information wont anything account credit report\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: company month working refinanced loan lied process told u email multiple time going order appraisal loan going approved end week several occasion date time refinanced loan refusing give u refund told u multiple lie email owner briefly stepped said taking file lasted le week put back month waiting get one loan refinanced something never accomplished finally asked refund initially offered u le half paid long signed release form said entitled nothing induced u sign credit card authorization form property telling u loan guaranty refusing offer sort refund already filed complaint texas department saving mortgage lending consumer financial protection bureau\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: victim identity theft due corona virus pandemic facing sitting still home saw recent news multiple data breach decided look credit report major credit bureau found someone used identity idea theft took place also knowledge suspect receive money good service result identity theft contacted credit bureau told file identity theft report appreciate effort getting matter resolved thank please let know need information block information credit report thank\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hello made transfer company remitly transfer amount transfer receive r transfer arrive received email saying delayed technical reason received another email min one saying fund successfully sent bank would available edt day fund delivered account way contact chat site tried chat twice every time say wait day last time chat today friday someone told give time would resolved soon possible technical issue think thats good response information wait would resolve soon possible shut phone email communication people chat give useful information afraid lose money\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: applied mortgage pentagon federal credit union loan officer eager business issue proceeded loan approval process told credit union would move forward unless committed appraisal paid fee online requested appraisal went fine everything went underwriting issue called loan officer check thing since funding contingency coming week also wanted check rate hour loan officer called left message loan program quoted detail fully described loan disclosure mistake part would double payment order qualify program notified day prior mortgage commitment due date purchase called talk loan officer would let speak manager said manger would call happen asked appraisal fee refunded since mistake mine also order meet deadline go another vendor pay expedite appraisal cost lender misrepresented product requirement admitted fault however loss\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: citibank entered social security number incorrectly processing application checking saving account representative send form correct problem first fax mail finally email refusing correct record still listing social security number checking saving account two digit reversed instead correct social security number called numerous occasion two month keep getting runaround one rep even disclosed social security number name person who number listed error account refused honor bonus offer account due fact number error tied person already citibank account many rep said could fix never get done serious breach security caused citibank correct s number checked chexsystems credit report inquiry showed report know initially correct number unconceivable citibank could let happen\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: american express constantly contact past due debt past statute limitation told back stop calling put call list yet instead called today told going report ftc harassment please call\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: experian taken fraudulent action destroy effort improve credit score falsely reporting multiple charge offs double digit account account charged amount secured credit card inaccurate without providing proper documentation xxxxxxxx experian recorded multiple co credit report credit reporting agency conducted false initial dispute two inaccurately made report credit file latest result third dispute experian report number generated experian refused provide proper validation paper experian utilized update credit report credit score unlawful illegal manner clear violation fair credit reporting right federal law law state california contact number experian purported utilized contact number experian sent documentation sent address list result address xxxxxxxx ny strongly doubt address experian refused remove credit report despite concluded pay delete experian know fact record balance account also know always pay delete similar situation\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: convergent outsourcing inc paid full cashier check letter agreement report three credit bureau also submitted letter indicated cashier check cashed company agreed update credit file within day convergent updated credit file day since received full payment\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: filing complaint based lawsuit filed santander consumer usa lawsuit filed company financing securitization auto loan maryland victim lawsuit purchased md credit score time low however approved vehicle santander banking interest rate amount financed interest paying paid approximately auto loan since sale contract documentation needed complaint caused hardship made payment arrangement last year apply payment end contract\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: credit report item mine castle credit counseling holding date opened amount mine\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: writing today regard account elan fin svc reason writing today regard several late payment reporting credit report beginning due covid unable make payment soon able got payment made caught\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: back lost wallet personal information inside think much went get new social security dl continued everyday life never issue couple day ago decided pull credit continued get suspicious letter mail looked report shocked number item opened name suspicious item mine please remove report\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: month ago sent letter regarding inaccurate unknown thing credit report day day later received response yet feel like im taken advantage ignored mh dispute section plainly stated failure investigate item within day give reason immediately remove item mh credit report day deleted promptly demand account deleted immediately file litigation due stress caused information also impacted equifax data breach may gotten wrong hand\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account added created unbeknownst notice concern hold accountable accuse complicity exercise malevolent hereby mark likely one might one day view civil discord would plaintiff yet declare unjust claim met deliberate determined resistance counteraction clarity claim debt collection insufficient collection much le reporting must delete unjust injurious allegation significantly deficient requisite certified reporting compliance perfect metro format reporting testimonial evidence physically verifiable proof validation related full truth accuracy completeness timeliness ownership identity true debtor date balance audit calculation source code creditor collection code statement associated trailing fragment minimal five portioned personal identifier pay status required confirmation collection elsewise standard mandatory proper reporting mentioned although checking addressing missing deficient aspect reporting compliance contesting debt compliant nature make aware since unlawful reporting transition collection equally complaint circumstance still yet validated document fact compliance requisite standard announced yet legally knowledge validity alleged claim delinquency derogatory nature certifiably compliant matter either collection attempt reporting despite previous consumer filed composed complaint checking might known especially shall elect take matter civil court debt derogatory claim must pursued particularly collection defined precisely compliant physically verifiable certifiable manner detailed requisite obeyed federal state collection reporting regulation associated noted said claim include limited fcba fcra hipaa privacy rule facta fdcpa tcpa etc additionally entity act collector also elect act reporting party consumer credit must well adhere every single one even regulatory reporting requisite standard reporting legal standing full accordance law accepted reporting standard date plaintiff failed demonstrate capacity willingness validate alleged debt much le certify fair accurate complete compliant reporting claim particularly significantly deficient display certified metro compliance given fact recent breach information collection repository hesitating readily accept presented without testimonial certified physically verifiable document evidence claim legitimate deny nothing yet reserve right question unproven claim accept statement claim plaintiff call court reject claim untrue unverified incomplete compliant otherwise invalid thereby dischargeable requirement dismissed full demand said court resolution today even full accord regulatory statute mentioned date received knowledge ever entering contractual relationship plaintiff forward civil complaint entity y allegedly issued defaulted line credit accusation similar despite repeated call accuser demonstrate requisite presented physically verifiable document proof adequately acquired permissible purpose exactly individual irrefutably identified acknowledgement relationship party mentioned form knowledge ever knowingly acknowledging even unknowingly owe proven compliantly reported debt much le claim unproven debt alleged written declaration checking validity claim also document proof certifiable testimony factual complete compliance standard law even mandatory metro format compliance obvious allegation filed accuser plaintiff clear subterfuge act willful disregard ethical practice done ignorance requisite ethical regulatory compliant behavior accusation collection effort credit reporting claim vile nature derelict unjustly injurious unlawful doubt call dismissal plaintiff statement claim discharge misreported delinquency derogatory behavior accuser complaint undeniably unfairly lodged versus knowledge ever receiving proven document fact statement account account aspect item alleged debt delinquent action reiterate called accuser present document certifiably true correct complete adequately compliant documentation full validation claim right collect alleged claim right report alleged claim let true compliance regulatory requisite mandatory optional plaintiff claim mute legal standing full accordance law must dismissed knowledge ever entering open account plaintiff entity y allegedly issued defaulted line credit derogatory claim credit fact claim even submitted adequate compliant proof genesis relationship inability prove application permissible purpose said alleged application agreement contract describing relationship related alleged claim account debt otherwise derelict documentation claim inherently make invalid plaintiff whole statement claim summons complaint request court resolve adequately compliantly required immediate eradication complaint charge rectification injurious collection reporting practice compliance appropriate collection practice equally compliance appropriate complete reporting practice mandatory optional stand proven otherwise complaining plaintiff unjustly unethically likely illegally absolute deficiency requisite legal standing full accordance applicable law mentioned collection practice well reporting practice particularly inability unwillingness timely fully certify physically verifiable document proof full validity debt claim compliance reporting even mandatory metro format declare right preference stand claim plaintiff call authority integrity ensure truth claim correctness claim completeness claim ownership responsibility debt delinquency debt alleged noted claim perfect compliance collection action related claim compliance reporting action related claim\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: deposited btc coinbase account disabled reached every possible mean including multiple email social medium message wont even reply im absolutely disgusted lack support want know able access btc even login account want explanation resolution uploaded id numerous time get error name document match please try visit http assistance\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: company wrongfully furnished credit report information thats true isnt account\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account added created unbeknownst notice concern hold accountable accuse complicity exercise malevolent hereby mark likely one might one day view civil discord would plaintiff yet declare unjust claim met deliberate determined resistance counteraction clarity claim debt collection insufficient collection much le reporting must delete unjust injurious allegation significantly deficient requisite certified reporting compliance perfect metro format reporting testimonial evidence physically verifiable proof validation related full truth accuracy completeness timeliness ownership identity true debtor date balance audit calculation source code creditor collection code statement associated trailing fragment minimal five portioned personal identifier pay status required confirmation collection elsewise standard mandatory proper reporting mentioned although checking addressing missing deficient aspect reporting compliance contesting debt compliant nature make aware since unlawful reporting transition collection equally complaint circumstance still yet validated document fact compliance requisite standard announced yet legally knowledge validity alleged claim delinquency derogatory nature certifiably compliant matter either collection attempt reporting despite previous consumer filed composed complaint checking might known especially shall elect take matter civil court debt derogatory claim must pursued particularly collection defined precisely compliant physically verifiable certifiable manner detailed requisite obeyed federal state collection reporting regulation associated noted said claim include limited fcba fcra hipaa privacy rule facta fdcpa tcpa etc additionally entity act collector also elect act reporting party consumer credit must well adhere every single one even regulatory reporting requisite standard reporting legal standing full accordance law accepted reporting standard date plaintiff failed demonstrate capacity willingness validate alleged debt much le certify fair accurate complete compliant reporting claim particularly significantly deficient display certified metro compliance given fact recent breach information collection repository hesitating readily accept presented without testimonial certified physically verifiable document evidence claim legitimate deny nothing yet reserve right question unproven claim accept statement claim plaintiff call court reject claim untrue unverified incomplete compliant otherwise invalid thereby dischargeable requirement dismissed full demand said court resolution today even full accord regulatory statute mentioned date received knowledge ever entering contractual relationship plaintiff forward civil complaint entity y allegedly issued defaulted line credit accusation similar despite repeated call accuser demonstrate requisite presented physically verifiable document proof adequately acquired permissible purpose exactly individual irrefutably identified acknowledgement relationship party mentioned form knowledge ever knowingly acknowledging even unknowingly owe proven compliantly reported debt much le claim unproven debt alleged written declaration checking validity claim also document proof certifiable testimony factual complete compliance standard law even mandatory metro format compliance obvious allegation filed accuser plaintiff clear subterfuge act willful disregard ethical practice done ignorance requisite ethical regulatory compliant behavior accusation collection effort credit reporting claim vile nature derelict unjustly injurious unlawful doubt call dismissal plaintiff statement claim discharge misreported delinquency derogatory behavior accuser complaint undeniably unfairly lodged versus knowledge ever receiving proven document fact statement account account aspect item alleged debt delinquent action reiterate called accuser present document certifiably true correct complete adequately compliant documentation full validation claim right collect alleged claim right report alleged claim let true compliance regulatory requisite mandatory optional plaintiff claim mute legal standing full accordance law must dismissed knowledge ever entering open account plaintiff entity y allegedly issued defaulted line credit derogatory claim credit fact claim even submitted adequate compliant proof genesis relationship inability prove application permissible purpose said alleged application agreement contract describing relationship related alleged claim account debt otherwise derelict documentation claim inherently make invalid plaintiff whole statement claim summons complaint request court resolve adequately compliantly required immediate eradication complaint charge rectification injurious collection reporting practice compliance appropriate collection practice equally compliance appropriate complete reporting practice mandatory optional stand proven otherwise complaining plaintiff unjustly unethically likely illegally absolute deficiency requisite legal standing full accordance applicable law mentioned collection practice well reporting practice particularly inability unwillingness timely fully certify physically verifiable document proof full validity debt claim compliance reporting even mandatory metro format declare right preference stand claim plaintiff call authority integrity ensure truth claim correctness claim completeness claim ownership responsibility debt delinquency debt alleged noted claim perfect compliance collection action related claim compliance reporting action related claim\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: upset everytime request credit line increase system declined wont manual review credit ive good customer system declined one reason one returned payment long time ago ridiculous spoke underwriting department told ask customer service submit manual review ask wont listen frustrating process\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: wife opened checking account citibank first contacted citibank starting process opening new checking account one reason moved money citibank incentive deposit maintained balance period almost month although paperwork submitted beginning claimed received signature card shown attached email several time asked account number could make deposit required qualify bonus hear informed missing paperwork although already faxed email asked u sign paperwork email instead faxing original method communication form completed email back bank next day email clearly state citibank account almost opened order account remain open must receive signature card deposit within day application date finally received bank account number day advised citibank sent wire transfer checking account opened deposit never cleared several day informed check didnt clear advised send certified check certified mail check cleared previous bank stated available citibank per citibank account opened although never informed u missing paperwork per citibank account could remain open signed signature card deposit made within day opening account wire transfer never cleared first deposit documented end one would assume couldnt open account never funding citibank advised u send certified check asked would prevent u receiving bonus reassured u would held balance account month told qualify bonus although called several time asking could expect bonus reassured qualified bonus day passed yet claim open account deposit ca give u bonus email clearly state account ca opened without deposit within day requirement bonus also deposit first deposit ever made account expect receive deposit take day inform client missing information opening account period account number\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: checked credit report found two new account listed new account information reported commonwealth financial system pa called told two account stem two collection bill yet reported new attempt debt\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hi exchange coinbase restricted account without reason ca withdraw digital asset digital secure wallet nothing even try delete linked methode payment create another one everything stuck try check identity passeport id card driver license every fine account still restricted many case open coinbase support response many people issue see please help an everyone ha issue coinbase thank mr\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hi customer hsbcnet business account order log account must use security device generates pas code security device went dead reported hsbc promised ship new device week since requested device business operation completely stopped ca pay merchandise ca anything phone different c told devise arrive soon nobody could provide tracking number still locked fund loss pay penalty making timely payment wire yet nobody care hsbc shame\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: citi double cash card checking account online shocked find cash reward excess later find converted citi call thank point redeemed conversion thank point redemption without wife authorization neither u even knew thank point one else authorized use card reported incident citi representative told would investigate incident would take day second time happened first time many phone call citi converted reward back cash received letter citi dated stating convert thank point back cash called citi day spoke several representative including supervisor told nothing could thats decided file complaint cfpb resolved one way another closing account citi\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: sm sender identifying medical business bureau debt collector continues send unsolicited sm message betraying nature alleged debt third party received written cessation order sender first sent sm wednesday xxxxcdt reading message medical business bureau debt collector please call u wish receive text message u future please respond stop replied promptly stop instructed message generated acknowledgement successfully unsubscribed receive message number reply start resubscribe subsequently received multiple message content original message violation fdcpa ftc fcc sender negligently made attempt hiding message third party betraying privacy guaranteed fdcpa\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: bank america credit card reported negative information credit reporting agency regarding credit card charge credit card question auto pay debit bank account however boa carry debit three month far tacked many charge interest late payment caused credit rating drop several hundred point boa also took internal collection\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account known ftc violation original creditor balance updated tap label detail account number collection opened account type collection department agency attorney paid balance loan amount payment info original loan amount balance updated contact everything correct inaccurate information appears report contact lender directly corrected let u know online mail dispute account original creditor balance updated account info tap label detail account number collection opened account type factoring company paid balance loan amount payment info original loan amount balance updated contact everything correct inaccurate information appears report contact lender directly corrected let u know online mail dispute account original creditor balance updated account info tap label detail account number collection opened account type factoring company paid balance loan amount payment info original loan amount balance updated contact everything correct inaccurate information appears report contact lender directly corrected let u know online mail dispute account original creditor balance updated filed ftc\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: applied accepted citibank credit card month ago received letter stating card would arrive soon card never arrived called citibank get replacement card expedited shipping card never arrived called third time get replacement card told citibank could send verification message phone number citibank could call back verify phone number even though calling said number citibank could verify identity send another card without first sending verification letter point quite frustrated previous mail arrived option gave access account yet another letter told close account refused citing inability verify account credit card account ca access ca cancel get letter might honestly never arrive understand measure verification required open account first place simply want close account citibank repeatedly failed deliver card signed\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account added created unbeknownst notice concern hold accountable accuse complicity exercise malevolent hereby mark likely one might one day view civil discord would plaintiff yet declare unjust claim met deliberate determined resistance counteraction clarity claim debt collection insufficient collection much le reporting must delete unjust injurious allegation significantly deficient requisite certified reporting compliance perfect metro format reporting testimonial evidence physically verifiable proof validation related full truth accuracy completeness timeliness ownership identity true debtor date balance audit calculation source code creditor collection code statement associated trailing fragment minimal five portioned personal identifier pay status required confirmation collection elsewise standard mandatory proper reporting mentioned although checking addressing missing deficient aspect reporting compliance contesting debt compliant nature make aware since unlawful reporting transition collection equally complaint circumstance still yet validated document fact compliance requisite standard announced yet legally knowledge validity alleged claim delinquency derogatory nature certifiably compliant matter either collection attempt reporting despite previous consumer filed composed complaint checking might known especially shall elect take matter civil court debt derogatory claim must pursued particularly collection defined precisely compliant physically verifiable certifiable manner detailed requisite obeyed federal state collection reporting regulation associated noted said claim include limited fcba fcra hipaa privacy rule facta fdcpa tcpa etc additionally entity act collector also elect act reporting party consumer credit must well adhere every single one even regulatory reporting requisite standard reporting legal standing full accordance law accepted reporting standard date plaintiff failed demonstrate capacity willingness validate alleged debt much le certify fair accurate complete compliant reporting claim particularly significantly deficient display certified metro compliance given fact recent breach information collection repository hesitating readily accept presented without testimonial certified physically verifiable document evidence claim legitimate deny nothing yet reserve right question unproven claim accept statement claim plaintiff call court reject claim untrue unverified incomplete compliant otherwise invalid thereby dischargeable requirement dismissed full demand said court resolution today even full accord regulatory statute mentioned date received knowledge ever entering contractual relationship plaintiff forward civil complaint entity y allegedly issued defaulted line credit accusation similar despite repeated call accuser demonstrate requisite presented physically verifiable document proof adequately acquired permissible purpose exactly individual irrefutably identified acknowledgement relationship party mentioned form knowledge ever knowingly acknowledging even unknowingly owe proven compliantly reported debt much le claim unproven debt alleged written declaration checking validity claim also document proof certifiable testimony factual complete compliance standard law even mandatory metro format compliance obvious allegation filed accuser plaintiff clear subterfuge act willful disregard ethical practice done ignorance requisite ethical regulatory compliant behavior accusation collection effort credit reporting claim vile nature derelict unjustly injurious unlawful doubt call dismissal plaintiff statement claim discharge misreported delinquency derogatory behavior accuser complaint undeniably unfairly lodged versus knowledge ever receiving proven document fact statement account account aspect item alleged debt delinquent action reiterate called accuser present document certifiably true correct complete adequately compliant documentation full validation claim right collect alleged claim right report alleged claim let true compliance regulatory requisite mandatory optional plaintiff claim mute legal standing full accordance law must dismissed knowledge ever entering open account plaintiff entity y allegedly issued defaulted line credit derogatory claim credit fact claim even submitted adequate compliant proof genesis relationship inability prove application permissible purpose said alleged application agreement contract describing relationship related alleged claim account debt otherwise derelict documentation claim inherently make invalid plaintiff whole statement claim summons complaint request court resolve adequately compliantly required immediate eradication complaint charge rectification injurious collection reporting practice compliance appropriate collection practice equally compliance appropriate complete reporting practice mandatory optional stand proven otherwise complaining plaintiff unjustly unethically likely illegally absolute deficiency requisite legal standing full accordance applicable law mentioned collection practice well reporting practice particularly inability unwillingness timely fully certify physically verifiable document proof full validity debt claim compliance reporting even mandatory metro format declare right preference stand claim plaintiff call authority integrity ensure truth claim correctness claim completeness claim ownership responsibility debt delinquency debt alleged noted claim perfect compliance collection action related claim compliance reporting action related claim\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: americollect inc received corespondent mail pretending attorney pay debt medical bill mind company using unlawful tactic reporting inaccurate information credit report violating hippa act providing medical information third party credit reporting agency inaccurate information effected getting declined credit card employment unable purchase home rent apartment company caused stress contacted company dispute letter informed company contact work phone cell phone continued treated never gave permission original creditor release information concerning third party never signed hippa act release realise medical information company violation hippa act also party violating fair credit reporting act intentionally ruining credit inaccurate information credit report reporting three credit bureau put dispute company regarding collection continue violate right use unlawful tactic contacting work cell phone pretending attorney pay would seek action would like resolve issue collection amount removed credit immediately debt\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: previously notified victim identity theft\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: attached letter regarding inaccurate unknown item credit report day still received notice response regarding matter way item listed considered verified accurate item displayed inaccurate information across bureau demand proof immediate deletion complaint several violation fcra act feel like taken advantage seek legal counseling punitive damage matter handled accordingly\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: cant get ahold anyone customer service number\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: first started receiving call kentucky higher education dad died avoided call first decided needed clean credit answered phone assumed due state mind dad passed loan got year year ago even set payment arrangement school could pay back hello well getting deeper credit report trying get thing fixed noticed fraudulent activity credit report like two social security number linked account also several account mine since removed look credit report noticed school originally got loan account closed looking kentucky higher education show even made payment prior show got loan get loan school disputed credit report signed agreement said legitimate also reached school finally called back long discussion hey lady account asked send original document loan initially started loan company still received documentation via email also went process would go turn told loan going pay loan mine taking action called spoke lady credit bureau led reach guy please help matter going prevent getting stimulus anything else may come government like tax return ect owe loan attach copy credit report see get loan also see fraudulent activity account thank much time hope hear back soon\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: carefully going credit report noticed account credit report reporting inaccurately wrote experian failed reply within day verify inaccurate account please delete block negative account credit report causing serious harm\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: bb reported payment late credit bureau notified bb missing late payment phone call email mail notification informed alert credit bureau immediately contacted bb dispute information told payment received contacted bank reoccurring monthly payment set bank contacted bank verified check cashed explained dilemma bb immediately made payment asked credit department consider removing blemish credit report redirected many department received resolve bb reduced credit limit despite dispute late reporting\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: dovenmuehle purchased homeowner insurance home high price even though provided information current insurer time\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hello sir madam good day despite corona virus pandemic name card holder amex last time claimed refund flight charged amex booked flight amex travel using amex card flight cancelled airline due corona virus issue emailed reimbursement amex travel process waiting amex give credit refund month despite calling customer amex amex never return money kept charge interest well balance kindly help refund soon possible airline charge avoid interest appreciate help im\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: disputed charge capitalone credit card receive damaged good merchant capital one first give money back day ago reverse money without notice terrible customer service lazy dispute team\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: filed save home time also applied loan modification approved letter said modification final within three month made three trial payment contract process converted bankruptcy house longer included called homeloanserv month asking finalize modification one ever answer always know tell someone call back never spoke mid said waiting paperwork bankruptcy trustee advised attorney said receive anything trustee since longer included refused finalize modification refused give answer discharge attorney need affirmation debt refused provide called today told representative answer know tell would supervisor call back rude way never returned call\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: basically copy sent lending club today still heard try correct issue morning called try get resolved first person talked disconnected minute conversation called back second time talked approximately mst providing somewhat condensed version event informed would talk supervisor resolving issue weekend none wee available informed placing breif hold going email supervisor got back phone told explained situation email requested call asked call answer going leave vm number call back said sure leave v told would hope since professional thing proceeded ask account today report credit bureau late payment today pay interest due agreed upon basically told know would effect account would best waited supervisor reviewed account determined issue surrounding sent lending club email address payment today received notification lending club reported account past due today pulled account say payment due amount based interest agreement entered contacted office regard payment due phone call customer rep explained issue needed take care first checking account debited payment supposed continued explain made call defer payment still unemployed explained gentleman helped unable make payment still unemployed point know going hold time also remove automated ach payment account forgotten call earlier regular payment drew checking account prompted phone call first place therefore decided proactive regard payment thing happen customer service rep assured ach would physically call make payment however asked routing account phone asked need account information physically call make payment said call information file still perplexed asked trying get reassurance payment going automatically withdrawn answer time short stopped short telling would listen explaining yes yes employee going tell shut listen recording hear tell minute knew going say whole demeanor tone voice changed want recording listed shortly following phone call received payment reminder email called lending club confirm payment showing due person helped said payment showing due disregard reminder time asked confirmation automatic ach shut one representative assured yes well low behold come guess payment withdrawn checking account stated although assured payment would automatically come account stated called spoke told needed back still unemployed needed monies back order pay rent point put see payment could reversed told would take business day get money back someone listen recording see went issue put motion continued explain still unemployed needed see option available looking account said could offer interest payment amount month would conversation day received email said payment plan accepted monday received credit checking account lending club amount payment inadvertently withdrawn checking account point thought account would receive extension payment monies returned would payment due imagine surprise today received alert take surprise time imagine surprise logged account today say owe figure payment interest payment agreement even even showing owed account would reflect due plus interest payment either deferred made since lost job due covid worked hard ruin credit laid due covid make extremely upset find lending club virtually ruined make angry received one iota communication lending club overdue amount one phone call voicemail email notice demand correct account file amended report credit bureau agency meantime make interest payment agreed upon understand company affected well mean exercise unfair credit practice exactly done therefore absolutely reporting federal trade commission happened suspect happened customer\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: checked website see stimulus payment deposited account irs deposited money american express serve account money showing bank balance american express saying idea never received deposit told contact irs called back irs told deposit made account account number provided know anything ca anything number make sure matched correct account money deposited matched call american express back relay information told never got deposit could anything call irs frustrated seems like happening cuz already response right away sounded like script go online start looking hundred people problem direct deposit company way problem american express anything\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: attached letter regarding inaccurate unknown item credit report day still received notice response regarding matter way item listed considered verified accurate item displayed inaccurate information across bureau demand proof immediate deletion complaint several violation fcra act feel like taken advantage seek legal counseling punitive damage matter handled accordingly\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: called company one answer\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: recently notified victim identity theft\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: reviewing credit report noticed inaccurate account reporting especially account removed consistent removed three credit bureau also noticed student loan reporting knowledge duplicate account hurting fair please help remove negative unauthorized item credit report enclosed photo id utility bill address verification addition uploaded letter sent credit bureau day ago gotten update result even got response\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: receiving current copy credit report discovered entry idenitified inquiry qualified deletion report\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: ability recovery service date delinquency actual date delinquency amount debt show amount owed attempt made request documentation said debt show date delinquency dispute also filed still waiting notification outcome agency avoided evaded attempt provide documentation illegal action committed said agency impacted ability obtain federal employment\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: trying transfer money wife citibank account explaining rep something wrong website app explained clear browser federal government computer asking routing number rep refusing provide bank routing information\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: bank america ba handle unemployment payment state maryland ba issue debit card unemployment payment deposit directy card debit account hacked total withdrawn debit card account called number ba card report fraud ba customer service rep said would issue new card however get refund amount fraudulently withdrawn rep said handle refund since handled different department gave number call ext extension tried calling number day different hour day phone system put hold finally gave calling emailed ba issue go email message received email address message thank contacting regulatory complaint bank america resolution specialist welcome opportunity address concern dedicated point contact matter resolved complete review concern need confirm party engaged cfpb speaking directly telephone please contact confirm information day hour operation monday friday mst please note bank america email address sent monitored incoming message therefore please contact directly number listed earliest convenience day hour operation monday friday mst thank resolution specialist regulatory complaint bank america extension monday friday mst case number\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: ftc violation\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: mortgage loan sole residential property mortgage servicer jpmorgan chase bank requested writing chase forbearance mortgage loan initial period day care act attested affirmed chase experienced still experiencing financial hardship caused emergency chase automatically enrolled day mortgage payment assistance program chase informed missed payment due end period chase allowed ignore request day forbearance care act demand lump sum payment\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: around annual credit report pull noticed fraudulent account reporting credit report attempted contact party account removed however removed account contacted multiple time u request information fraudulent account filled required identity theft information however continue report fraudulent account credit bureau accurate refuse give u information proofing fact stopped responding email completely even speaking multiple supervisor honestly beyond ridiculous violates right fcra law know anymore attempted many time handle issue company including bureau following fcra law protect u\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: citi aadvantage platinum select world elitetm mastercard several issue card started corona virus main issue cant reach anyone customer service called day wait hold hour one answer call reached via messenger told someone would call one called also tried reach someone via chat working either message got one contacted hi thank contact info escalating executive response unit please note may take least business day request received light recent event time frame may little longer appreciate patience understanding work concern addressed sick virus excuse answer call\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: many american working due coronavirus pandemic bridgecrest help customer give week payment made answer everyone file unemployment use stimulus check first pay loan every car company know putting customer first bridgecrest putting first\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: stuck covid phone damaged lost factor authentication phone tried reset coinbase nightmare began process endless repeating copy past email coinbase company unable send confirmation code phone problem mine requested company return fund bank account since locked account unable fix situation coinbase stopped responding email point sent many angry follow email coinbase respond terrible unethical company\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: citbank closed account year ago without knowledge received notice account closure email account closed due returned payment month however already called citi explain sister recently moved parent house changed address usps selected move whole family sent cc company bank idea done called originally bank told stopped payment due lack fund due fraud risk changed address phone hour make sure everything fixed unfortunately one area forgot secure account good learned went make payment cc citi bank phone together time explained situation citi representative sent situation management declined reinstate card went around around citi told longer allowed card citi largest credit card approved closed unable get another card anywhere near amount waited year reapply card decline previous situation unable get cc approved amount since event regardless attempt provide documentation bank usps etc showing citi bank mistake hand\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: address account name wrong tx single family never lived reason ca processed online address reported company please contact company verify correct address new information reported able submit dispute online question may contact u mine\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: convergent outsourcing attempting collect debt amount account handled back first noticed debt appropriate fraud paperwork investigation handled time police report submitted account longer associated legally\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: store card comenity bank purchased sofa store card made payment store card sofa purchase cancelled already paid showed following statement balance last month made purchase recent statement show owing instead credit make true balance state show minimum payment due actually owe sent comenity bank secure message website regarding dispute received response also tried calling customer service number rep spoke help im loss get corrected lost confidence comenity bank\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: carrington mortgage reporting mortgage past due today however direct conversation carrington mortgage late confirmed multiple time directly carrington mortgage account current still since also contested status mortgage several time carrington mortgage continues confirm delinquent status credit bureau essentially carrington mortgage telling mortgage current since still reporting past due credit report keep saying fix correction never happens\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: bmo advertised bonus checking saving includes dollar bonus open checking account bonus open saving account within time frame account opened person promotion code put banker confirmed applied copy promotion term condition printed provided time account opening met requirement bonus received checking account saving account called inquired detail representative said promotion code applied saving opened ca anything send question banker opened account resolve time passed nobody ever reached back tried two time including calling online messaging always promise escalate banker reach nothing never happens research online found number people issue receiving bonus fail pursue even though requirement met\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: attention consumer relation recently obtained copy credit report service found following item error provided documentation evidence item question inaccurate need deleted credit report item dispute account mine company didnt send notification debt required law please delete account sent copy dispute original creditor prior sale account debt item dispute balance account mine company didnt send notification debt required law please delete account sent copy dispute original creditor prior sale account debt per section fair credit reporting act requesting item indicated promptly delete item valid inaccurate outdated information credit report addition requesting description investigation conducted along name address telephone number anyone contacted information please send updated copy report notification item deleted consider day reasonable time validate item thank prompt attention matter respectfully\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account added created unbeknownst notice concern hold accountable accuse complicity exercise malevolent hereby mark likely one might one day view civil discord would plaintiff yet declare unjust claim met deliberate determined resistance counteraction clarity claim debt collection insufficient collection much le reporting must delete unjust injurious allegation significantly deficient requisite certified reporting compliance perfect metro format reporting testimonial evidence physically verifiable proof validation related full truth accuracy completeness timeliness ownership identity true debtor date balance audit calculation source code creditor collection code statement associated trailing fragment minimal five portioned personal identifier pay status required confirmation collection elsewise standard mandatory proper reporting mentioned although checking addressing missing deficient aspect reporting compliance contesting debt compliant nature make aware since unlawful reporting transition collection equally complaint circumstance still yet validated document fact compliance requisite standard announced yet legally knowledge validity alleged claim delinquency derogatory nature certifiably compliant matter either collection attempt reporting despite previous consumer filed composed complaint checking might known especially shall elect take matter civil court debt derogatory claim must pursued particularly collection defined precisely compliant physically verifiable certifiable manner detailed requisite obeyed federal state collection reporting regulation associated noted said claim include limited fcba fcra hipaa privacy rule facta fdcpa tcpa etc additionally entity act collector also elect act reporting party consumer credit must well adhere every single one even regulatory reporting requisite standard reporting legal standing full accordance law accepted reporting standard date plaintiff failed demonstrate capacity willingness validate alleged debt much le certify fair accurate complete compliant reporting claim particularly significantly deficient display certifi ed metro compliance given fact recent breach information collection repository hesitating readily accept presented without testimonial certified physically verifiable document evidence claim legitimate deny nothing yet reserve right question unproven claim accept statement claim plaintiff call court reject claim untrue unverified incomplete compliant otherwise invalid thereby dischargeable requirement dismissed full demand said court resolution today even full accord regulatory statute mentioned date received knowledge ever entering contractual relationship plaintiff forward civil complaint entity y allegedly issued defaulted line credit accusation similar despite repeated call accuser demonstrate requisite presented physically verifiable document proof adequately acquired permissible purpose exactly individual irrefutably identified acknowledgement relationship party mentioned form knowledge ever knowingly acknowledging even unknowingly owe proven compliantly reported debt much le claim unproven debt alleged written declaration checking validity claim also document proof certifiable testimony factual complete compliance standard law even mandatory metro format compliance obvious allegation filed accuser plaintiff clear subterfuge act willful disregard ethical practice done ignorance requisite ethical regulatory compliant behavior accusation collection effort credit reporting claim vile nature derelict unjustly injurious unlawful doubt call dismissal plaintiff statement claim discharge misreported delinquency derogatory behavior accuser complaint undeniably unfairly lodged versus knowledge ever receiving proven document fact statement account account aspect item alleged debt delinquent action reiterate called accuser present document certifiably true correct complete adequatel compliant documentation full validation claim right collect alleged claim right report alleged claim let true compliance regulatory requisite mandatory optional plaintiff claim mute legal standing full accordance law must dismissed knowledge ever entering open account plaintiff entity y allegedly issued defaulted line credit derogatory claim credit fact claim even submitted adequate compliant proof genesis relationship inability prove application permissible purpose said alleged application agreement contract describing relationship related alleged claim account debt otherwise derelict documentation claim inherently make invalid plaintiff whole statement claim summons complaint request court resolve adequately compliantly required immediate eradication complaint charge rectification injurious collection reporting practice compliance appropriate collection practice equally compliance appropriate complete reporting practice mandatory optional stand proven otherwise complaining plaintiff unjustly unethically likely illegally absolute deficiency requisite legal standing full accordance applicable law mentioned collection practice well reporting practice particularly inability unwillingness timely fully certify physically verifiable document proof full validity debt claim compliance reporting even mandatory metro format declare right preference stand claim plaintiff call authority integrity ensure truth claim correctness claim completeness claim ownership responsibility debt delinquency debt alleged noted claim perfect compliance collection action related claim compliance reporting action related claim\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: bl ackwell recovery attempted collect debt state utah licensed bonded collect said debt placed mark credit report allowed due debt collector license state also tacked added charge h ave agreed ever signed contract az fax email\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: disputing american express purchase recognize mine asked company send detailed report showing purchase reported balance never received response received unsatisfactory resolve issue understand cfpb close dispute without prejudiced part receive reasonable solution add letter company placed response solve issue\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account inquires credit report knowledge\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: fraudulent activity account last night someone got online banking account changed contact information immediately called bank told froze card monitor account morning someone used debit card number steal almost dollar spoke bank said card actually closed morning last night like said believe bank negligent responsible money stolen closed said would would happened despite mistake part unwilling work said wait ten day money returned meaning late rent bill\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: consistent breakdown communication course past six week two bank america mortgage lending officer two week one lending officer nmls reassigned another mortgage lending officer attentively process refinance application yet alarmingly following near period second lending officer nmls withdrawing application take business another responsive lender\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: collector impersonating government agent investigator harassing family member calling time day every day\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: currently bank account simple subsidiary bbva usa partner buying house need move fund escrow speaking simple customer service told multiple time submitted request cashier check would go day following day saturday called morning submit request following phone call simple messaged several hour later saying request would handled following tuesday direct contradiction previous statement refused let speak manager lodge formal complaint follow phone repeatedly asked speak manager told could transfer another agent manager take call inquired transferred directly bbva operates account told possible would multiple delay given simple wholly owned bbva fact representative admitted order process transaction called bbva refused provide actual number contact information real account representative someone multiple hundred thousand dollar invested bank shocked learn essentially way actually talk financial representative customer service agent\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: entered financial loan automobile appx since paid ahead loan ex made payment instead made payment made payment billing statement show payment going interest even though continually month ahead payment since stealing money widowed child trying pay loan early however due payment applied intrest paid loan back however applied principal balance\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: first issue covered selection attempting get overpaid property tax back recent mortgage refinance amerihome paid property tax asked already refinanced another company double payment required closing even though paid property tax amerihome day since double payment made communicated amerihome intentionally prolonged receiving fund simply recourse action refunded double payment amerihome back kept money day made effort contact via email phone mail also paid escrow late dinged sure paid somehow say another day processing addition mail time another day criminal allowed keep month pay back whenever choose customer one day late credit dinged late fee assessed\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: two year payment made however bill isnt going interest rate set cause term loan never paid\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: applied loan buy condo start process around bank america account holder year process loan officer got letter credit check twice first last everything crystal clear direct deposit work go account bank america spent lot time looking place finally got one want buy loan officer help everything needed satisfied bank condo price assume within price got therefore went ahead process already said everything fine loan closing additionally proceed inspection appraisal paid bank america hoa application officer said need online class first time home buyer six month stressful expensive process got call officer loan denied feel discriminated deceptive bank america denied loan beginning caused big financial emotional distress\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: filed dispute due wrong amount showing credit report able get old bank statement show made payment contract total amount subtract paid owe dispute say owe sent bank statement showing payment made company involved aargon agency representing\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: complaint regarding comenity childrens place credit card fee childrens place credit card account noted childrens place credit card account closed account closed paid unreasonable late fee since childrens place credit card opened paid charge full soon possible carry balance avoid late fee unfortunately enrolled paperless billing charged late fee two occasion first occasion several month ago disputed via telephone advised late fee irreversible seriously doubt however received credit account believe amount rarely used childrens place credit card time utilize reward buck time previous late fee explained tried multiple time pay credit card full online however online account would accept payment including several day item charged tried make payment timely manner account would allow requested electronic notification payment due since account paperless however told option available approximately purchased online item totaling made several attempt pay full online several day however comenity system kept declining accept payment indicating balance thought date either tried make payment system would accept payment charged anything since time however recently viewed account noticed late fee amount attempted contact customer service however able speak representative dispute charge never received contact notice account even email notification used credit card yet late fee way knowing tried pay account full today dispute later however system declined accept payment processed undoubtedly charging another late fee problem comenity childrens place accept online payment week charge made allow customer setup electronic automatic payment reminder noy email customer regarding payment due date missed date strictly paperless account comenity encourages customer utilize sincere belief intentional order company continue charge customer late fee elected close account today refuse support company deliberately ripping submitted written request comenity today full refund additional late fee worldwide pandemic comenity charging late fee nickel dime customer feel like scam customer able complain pay bill shameful requesting assistance recovering late fee charged prevent additional fee require comenity childrens place notify paperless customer payment due date advance closed account today however customer protected type experience assistance provide would greatly appreciated\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: back traveling different including religious obligation every perform went went see elderly mother require obtain therefore use local travel agency called haired arrange ground logistics hotel ground transportation assistance unfortunately arrived assistance helper show ground transportation put bad sitution go difficult time unknown barrier many hindrance face said arrived hopping hotel reservation told company haired unfortunately arrive designated hotel new discovery reservation pas mid night nowhere go ultimately company haired person contacted put unpleasant place stay overnight package bought suppose staying hotel well includes pre paid travel agensy via visa well fago credit card full amount paid itinerary due none performance cut short trip itinerary return thank\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: although student loan dismissed trans union still show total debt tried get provide updated proper report two car lot run credit deny loan sloppy reporting trans union refuse address\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: attempting refinance mortgage loan current mortgage company gotten run around second attempt lakeview loan servicing llc current mortgage company however asked quote received unless committed signing format see quote asked stating thats process yet received many quote refinance company didnt sign release information getting information lakeview information asking simple fha refinance streamline information thats appraisal payment closing fee credit score wanted compare transaction workups lakeview last six month lakeview sent paperwork mail refinance didnt fully explain fee requirement dont understand lakeview cant provide decent plan choose option asking much proposal estimate want\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: credit card opened name limit without knowledge card used later charged found card wanted purchase car get work contacted capital one bank informed debt victim id theft company responded asking prove victim debt valid next contacted credit reporting agency help confirmed debt placed freeze report reported compromised identity ftc local police department kept close watch since submitted paperwork credit reporting company capital one bank still said responsible debt said might well pay debt continue update credit multiple time per month credit promised invalid debt learning id theft capital one failure provide original document required already deleted report however continues report file without sufficient support word seem set destroying financially pay much hurting would pay even debt borrowing money pay increased rent due lower score got turned two job based credit score really need help fixing error report may lose job become displaced\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: got loan totally paid nca put credit report opened even though clearly show last pymt seven year reporting period expiring show new debt collection negatively affect credit seven additional year\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: company closed credit card account ending aware company reserve right make best decision business closed result returned payment stemmed personal bank account compromised stemming lost wallet checkbook creditor furnished police report bank memo multiple rep including one executive relation stated account reopened allow day since inquired time today follow stated account fraud status result returned payment zero acknowledge miscommunications former staff wont reopen theyll remove status im hold minute im hung call back tell wont remove block despite told otherwise minute prior disconnect service absurd apparently blacklisted life something zero important note still continue make payment monthly zero issue pay debit card ach zero issue told repeatedly would reopened even stated week ago least appears minimum one could reopened neither happened zero paid like clockwork since even account closed charge stop lying like stopped extending credit block removed im able either use account open new account continue exhaust every remedy available ensure use every platform share negative experience\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: couple day ago checked credit report information mine think may victim identity theft recognize account never incurred debt creditor know came thus requesting please verify validity account remove confirmed mine could also possible mixing account someone similar name\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: collection professional inc trying collect different payment contract wy contract state money due tax return come covid gotten tax back yet filed collection agency given contract refuse acknowledge original contract\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: flagship credit called time day us harassing verbage scare tactic threatens repossess vehicle day payment made today refused partial payment placed according flagship ask neighbor come go seen vehicle gated community zoned private property per okc zoning illigal solicit trespass show work ask supervisor wait kid school wife show tow vehicle threat bothersome written work phone going repeatedly special need child check phone ring flagship informed disciplinary action harassment lack decency yes behind payment due everything possible get caught give permission treat like\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: month sending message message center well fargo close checking account saving account currently balance zero dollar bank refused close continue charging monthly maintenance fee account insufficient balance charge month account told bank united state able travel covid bank insists closing account must personal continue collecting monthly fee forced bank account want\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hello hello late wife reached guaranteed rate refinance current house rate great want take advantage initial conversation ok quickly collected required document start process within day everything ready time advise take long got email guaranteed rate loan conditionally approved condition subject accept guaranteed rate obtain clear title report two small item advise close loan felt long time accepted information around emailed guaranteed rate followed phone call asking status around email phone call time leaving message call back still respond guaranteed rate almost every day response people involved\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: using app round money invest stopped rounding havent able link bank account back since\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: according fcra violation report inaccurate information credit report fcra section violation bureau still report inaccurate information aften provided proof inaccurate reporting sued extent damaged incurred wrong party furthermore fcra section c running reporting period creditor collection agency credit bureau try account updating date last activity credit file hope keeping negative information account longer violation punishable fine enclosed copy credit report alleged collection validated collection company date last activity according fcra collection account suppose reflect last date payment experian violation right subjected law suit\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: att cell phone telephone provider agreed charge monthly cell ended contract returned cell little asked asked stop service short delay needed new cell phone best buy transfer data cell new best buy phone making year end review noticed att never stopped charging credit card date called att said look time asked sears master card stop paying also refund date stop paying future automatic withdrawal sears refuse put stop payment refund past bill sear started dispute wo refund put stop payment prior new charge wo promise refund stop payment claiming signed att sears master card ca stop making auto payment law ca stop payment att end relation att wont stop sending bill sears master keep paying even ask stop mind fraud sears master card enclosed attachment show date returned u post att cell ate purchased new phone best buy\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: loan dept always made payment time see always stellar payment record company tried contacting dept successful resolution definitely error part\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: bank america add hard inquiry credit report per bank america add hard inquiry credit report per add hard inquiry credit report per\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: began mortgage refinance application mon provided mountain document still closed well fargo mortgage staff courteous apologized initially told would close loan officer told sent upper management due length time week ago supposedly underwriting week still ca tell closing date keep digging random old thing credit report making prove negative whatever example asked prove foreclosure house currently live provided year mortgage information countless statement late payment fica score wanted prove foreclosure give existing mortgage company permission speak could tell anything like file insanely frustrating admission terrible want risk retaliation underwriting say something absurd particularly helpful empathetic think fault loan officer good people system major flaw\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: company called nelson cruz associate called said year old debt take settlement offer would sue take court home county nothing company writing stating anything old debt phone call threatening\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: disputed amount airline ticket flight cancelled month faxing supporting document dispute finally issued credit account amount disputed today received another letter stating something different update account update state issued courtesy credit instead credit much time passed since initial dispute due chase taking several month update state account courtesy credit sent irs forgiven debt pay tax long conversation liway tonight advised nothing chase could please advise proceed dont believe tax liability trip cancelled back thank advance help\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: bank america debt card used positive balance account time purchase starting date today held processing today charge overdraft charge collect fee ill explain first transaction done point sale debt charge went thru next merchant debt charge went thru positive balance checking account time transaction today charge come thru usually business account ample time cover charge banking hour blame merchant processing debt cash transaction last charge transfer checking account relative account cash balance positive checking account today charged charge transfer well complaint transaction mine post transaction account negative pay fee deceptive account practice complaint bank america filed\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: flagstar incorrectly processing monthly mortgage payment applied late pay incorrectly refuse apply escrow payment escrow balance incorrectly applied principal reduction called twice phone hour time failed fully comprehend issue hand mortgage payment paid time however applying mortgage payment cover calling escrow shortage called military called action part taken fixing mean take time effort resource review entire account collectively come correct mathematical conclusion\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: beginning payment bought loan stated make payment provided proof payment advised loan number wrong however copied letter sent also stated would remove late fee show removed writing reported advised removed payment spoke representative shortly changed homeowner policy escrow went negative representative advised since tax disbursement paid month late homeowner recently paid stated would able catch escrow back change payment account made disbursement payment history showed insurance disbursement escrow applied escrow negative notation also payment amount day could explain disbursement prior changing homeowner policy insurance disbursement escrow representative could explain money applied additionally payment went even last representative assured would website show fund applied deducted simple notation explanation call regarding problem every month last month\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: checking account paid check monthly payment american express american express presented check account paid image available check also presented account paid amount image available transaction missing telephoned spoke american express agent told would contact agent get bottom sent right back american express asking help\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: called santanders consumer usa lower monthly payment said cant help currently paying month used vehicle dont pas state inspection needed part mechanic trying find vehicle used rotten bottom car got high interest rate struggling\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hi first credit service shocked reviewed credit report week found multiple inaccuracy credit report major credit bureau collection company never dealt attempted several time ratify issue original creditor credit bureau still reporting inaccurate unverifiable information disputed item credit reporting agency reported confirmed account valid honestly believe ever relationship collection agency original creditor also several inaccuracy account way reporting total violation fcra fdcpa law regulation good faith effort resolve matter amicably must demand proof debt specifically alleged contract instrument bearing signature well proof authority matter absent proof must correct erroneous report past debt mine writing request please provide following information please evidence authorization usc e usc f alleged matter authorization law collection information authorization law collection alleged debt please evidence authorization business operate state please evidence proof alleged debt including alleged contract instrument bearing signature please provide complete account history including charge added collection activity day upon receipt letter provide strict proof contract event provide strict proof contract must cease desist collection effort immediately remove derogatory information reported consumer reporting agency addition need provide agreement writing closing file ceasing collecting activity deleting information related reference number credit report youve furnished information event transfer account attorney without providing proof contract proving claim immediate reported code ethic violation\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: ca get pmi removed ca get straight answer return call\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: company provide information supporting debt requested assignment debt method verification agreement company service step involved verification process right know name phone address party involved per fair credit act provide information day requiring account valid please provide certified mail receipt stating received information stated need get verifcation information even placed credit report account penn credit corporation\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: franklin financial ga franklin financial ga franklin financial ga approved loan transferred location done regional problem ga office location constant contact submit document approved contacted later day said loan approved company discriminated given incorrect information tried change involvement denied ga location complaint company denied approval approved ga company shady seek legal advice know right\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: bank america account review since access sba loan due review currently frozen bank america fund released soon could go business\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: dear cfpb booked ticket charged amount new york via since flight cancelled due covid reached travel agent requested refund via attached letter around reached capital one requesting dispute charge due fact flight cancelled capital one stated merchant provide refund asked multiple time reconsider dispute declined request stating merchant provide refund still received refund today called requested refund money capital one told could longer dispute charge merchant previous dispute closed request agreed refund money bank said merchant obligated refund money within day agree refund money capital one obligated refund bank nasty called today told representative recorded conversation since right american bring cfpb representative told disconnect capital one allow record conversation think violation civil right new york allows one side consent recording called capital one today telephone number number called please listen recording record conversation without always asking customer recorded\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: best buy notified charge card addition charge placed contest credited company admitted issued refund credit card show valid taken action day get call number florida appear citibank call back get resolved still result best buy card resolved charge amount provided provisional credit rather leave large charge credit report company said would handled show credit would available well continues open issue customer service worst hang follow promise spent hour phone charge remain even though item returned show refund charge well changing position get resolved stating take day absolutely ridiculous charge fraudulent go mine find business practice absurd\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: contacted contract caller notified account identity theft also submitted certified letter affidavit driver license social security card copy identity theft report copy notice furnishers copy asking please remove account credit report gotten response made phone call sent letter last one sent\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hello received following email along applicable amount also attached email well response email received fri outstanding amount legal proceeding tue outstanding amount action creditor took send email threatening word attached email saturday process server came home put notepad note also attached door stating criminal offense obstruction justice wording appreciate type harassment bill could amicably resolved harassment threatening violation intend sue unless type behavior halted immediately\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: erroneously billed fraudulent charge made stolen card well duplicate billed legitimate purchase unable resolve matter chase despite multiple communication reported fraudulent charge day discovered investigation stated charge legitimate benefited transaction later learned charge made card period dispute fraud claim denied additionally charged twice purchase occurred around time chase visa due coronavirus stay home order purchase notice card gone received bill charge time noticed fraudulent charge totaling although merchant neighborhood never purchased anything immediately reported fraudulent charge locked card issued replacement card charge card dispute assumed legitimate husband still possession card time always use made neighborhood store sometimes go however failure identify charge might made fraudulent chase ground denying entire fraud claim prior noticing fraudulent charge purchased item online amazon using card saved account totaling payment settled amazon later disputed bank according correspondence amazon bank removed fund amazon chargeback id amazon account locked contacted amazon provided replacement credit card number amount added chase bill paid chase placed initial charge back account chase demanding pay charge chase employee stated phone merchant paid twice however merchant denies record chat amazon attached asked review fraud claim subsequently called interviewed someone another country poor almost inaudible phone connection made le intelligible accent staff member spoke explained husband still card continued charge credit card card indeed noticed due stay home order individual told amazon paid twice would need contact amazon refunded proved incorrect per amazon individual gave impression phone information gave sufficient validate claim regarding fraudulent charge noticed letter chase account stating latest review confirms previous finding transaction valid well infuriating statement assure researched fraud claim thoroughly given phone number call question extension answered go busy signal attempted reach regular fraud department phone called four different occasion time holding minute disconnected hold time finally able speak someone poor phone connection barely audible explained planning complain consumer finance protection agency transferred yet escalation specialist hold time excessive phone quality poor insisted fraudulent purchase actually purchase used chip card time go indeed charge local claim reason denying fraudulent charge since often shop claim fraudulent sure husband make purchase time using card small amount something would clearly recall week later however made card chip indeed fraudulent responsible charge either required file police report consider waste time police resource told police report transferred someone dispute duplicate charge amazon placed another long hold additional minute told would transferred would assist duplicate charge however transferred call went busy signal disconnected chase customer service abysmal persist charging purchase responsible\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: conduent previous student loan servicer student loan sold transferred hard copy digital record original loan transfer new service provider info repayment term schedule data transparency disclosure available insists former conduent service provider sent loan paperwork receive hardcopy digital copy provide copy loan paperwork full repayment schedule insist information sent obligation provide information since originate loan payment schedule graduated information regarding graduated schedule shocked increase expected student payment warning pending increase provide full repayment schedule except compare repayment schedule original conduent loan information never received info information determine accuracy loan balance previous payment pending interest principal mean perform accounting reconciliation loan account without conduent loan document\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: got payday loan rapid cash unfortunately never paid anything towards every year debt reported new opened credit report show opened utterly false havent rapid cash store year collection agency keep renewing debt wont fall credit unwilling correct problem difficult work isnt reporting false information credit bureau illegal representative suggested file complaint please stop corrupt practice harming financial health\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: allied collection group showing collection account credit report spite fact account due paid full\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: attention consumer relation recently obtained copy credit report service found following item error provided documentation evidence item question inaccurate need deleted credit report item dispute reported balance account mine company sent notification debt ftc law notified debt given day dispute company broken law account need deleted asap per section fair credit reporting act requesting item indicated promptly delete item valid inaccurate outdated information credit report addition requesting description investigation conducted along name address telephone number anyone contacted information please send updated copy report notification item deleted consider day reasonable time validate item thank prompt attention matter respectfully\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: checking credit report today noticed account open im aware know posting anything report without consent fair credit reporting act removed immediately ftc report attached detail wan na better life dont put stress\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: company name sofi trying close refinance mortgage loan sofi requested accommodation hybrid closing due pandemic company refused accommodate request provided information per guidance accommodation allowable especially given circumstance unprecedented time would like reduce time contact notary allowed would like explanation requested information multiple time yet receive explanation request time line sofi request response done via requested information denied request requested hybrid closing told hybrid closing option may work told still looking hybrid closing option requested hybrid closing told continue look hybrid closing option informed accommodation denied explanation provided requested explanation accommodation made response given closing next week closing date would still like hybrid closing completed thank\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: letter sent transunion another letter failure respond letter sent transunion\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: applied credit card bank america via website declined way contact received declination response phone number email waited decision mail corresponding letter said application declined many account recently opened limited deposit investment balance affiliate though nowhere way contact underwriter representative phone email clearly form letter smattering word letter could obtain copy credit report tool help credit one back page postal mailing address could write letter via snail mail sent letter asking needed get application approved close different account could get lower limit provided proof fund even went far sending recent pay stub asking contact needed week later today received correspondence exact form letter sent take time effort sincere application earnest declined form letter sent fact lazy insulting attitude exact opposite bank america purport corporate mission statement help make financial life better connecting client community resource need successful never intention connecting\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: company continues call various spoofed number local area code asked le time discontinue contacting information presenting account recognize provided wrong address wrong personal information etc information presented verification also match actual information leading believe fraudulent individual attempting harass divulging personal information\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: booked placed two cruise booking deposit costco citi card booking two cabin day sailing alaska two charge credit card two separate cabin cancelled one cabin booking received credit deposit left cruise booking charged costco citi card subsequently cruise cancelled due covid provide full refund cancelled cruise therefore filed two separate dispute get full refund cruise deposit cruise balance charged successful getting refunded still unable get refunded citi first filed dispute sent letter erroneously stating credited account told credit different booking numerous phone call trying dispute requested file new claim filed new claim subsequently told much time elapsed charge made opening new dispute claim citibank made error initial dispute sent closed valid claim citibank claiming late making claim fault closing valid claim attached document provide history occurred\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: look recent credit report noticed experian reporting late paying credit card month also report late credit card always paid account time never late anything chance payment clear statement date late pandemic lot going family health innocently forgot make payment never received reminder payment notification past due amount unaware also tried reach creditor mentioned rectify concern unable get contact phone mail also sent dispute letter credit reporting agency received response choice file dispute cfpb disappointment credit system bureau treat consumer like even pandemic going expected sort system place family provide need loan help pay basic human necessity\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: back guitar center employee signed credit card find product wanted available closed account authorize hard pull due fact item wanted available went go get credit card last week hard pull told denied synchrony center mistake credit score really see problem besides need get synchrony bank credit report immediately reconsidered store credit card\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: victim false advertising failure disclose information website loan advisor recently tried refinance home using fha streamline option chase website state refinance fha loan started process using conventional loan option gave good faith deposit researching option chase website decided fha streamline refinance would best option notified lending advisor nmls id decision stated would check get back stated exert email actually heard nothing yesterday got confirmation morning list streamline option fell move forward would run issue interior picture said due status application mark withdrawal conversation cause good faith get contact directly team process refund put request later found available existing chase customer loan would need check case would tell fell incompetent trying scam money adding unnecessary appraisal cost loan nowhere chase website state information fha refinancing available existing customer proof uploaded email screenshots website\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report date open date open date open file number experian report number lock seeing report please help get life back called company give personal information could find system understand address fraud please assist communicating creditor validate identity theft personal information exposed breach started receiving information checked online found data breach looked credit report found inaccurate false fraudulent information belong contacted local police made report also told make report ftc jurisdiction ive listed many fraudulent account could thank help also file ftc able find job subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit report\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: city bank costco visa card city bank homedepot registered covid assistant skip payment one employee got furloughed due back taking money pay agency requested extension take day get found got denied surprise charging late fee reporting late payment every month tree credit bureau month brought account limit treated close account bad credit giving super hard time get place live afford self son really struggling moment trying get solution thats complaint beg please help\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: holding money reason\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hello unemployment usbank reliacard blocked day sent numerous verification document requested bank unemployment bank card unblocked still resolution attempted contact every source assistance still resolution unemployment card source income sent usbank personal photo identification card copy home rental lease also proof identity residence causing serious issue able take autistic son see physician attend therapy appointment cant use unemployment usbank reliacard help would greatly appreciated thank advance\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: please shocked reviewed credit report week found multiple inaccuracy credit report major credit bureau collection company never dealt attempted several time ratify issue original creditor credit bureau still reporting inaccurate unverifiable information disputed item credit reporting agency reported confirmed account valid honestly believe ever relationship collection agency original creditor also several inaccuracy account way reporting total violation fcra fdcpa law regulation good faith effort resolve matter amicably must demand proof debt specifically alleged contract instrument bearing signature well proof authority matter absent proof must correct erroneous report past debt mine writing request please provide following information please evidence authorization usc e usc f alleged matter authorization law collection information authorization law collection alleged debt please evidence authorization business operate state please evidence proof alleged debt including alleged contract instrument bearing signature please provide complete account history including charge added collection activity day upon receipt letter provide strict proof contract event provide strict proof contract must cease desist collection effort immediately remove derogatory information reported consumer reporting agency addition need provide agreement writing closing file ceasing collecting activity deleting information related reference number credit report youve furnished information event transfer account attorney without providing proof contract proving claim immediate reported code ethic violation\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hello name wife received fha mortgage wound hand well fargo al although made regular payment last year paid original appraised price called requested mortgage insurance removed denied told could request never foreclosed good credit score make good salary forced continue pay insurance one loan set appraisal told letter spoken phone pmi could come told could send applied principal would get could removed\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: around wife looked debt consolidation loan website specifically said checking available interest rate would affect credit score fact never even completed information form get interest rate yet later noticed unauthorized credit inquiry transunion company trying call two different occasion delete unauthorized inquiry able get fact couldnt even leave voicemail phone system hold hung two time row tried call transunion delete inquiry phone system allows one obtain annual credit report though tried access real person system would allow please help unauthorized inquiry deleted thanks\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: advertised promotion signing new card included waiving annual fee see screenshots taken time signed card fee charged anyway contacted american express via phone ticket number gave ticket request refund charge told could submit ticket person spoke could refund charge date refunded charge billing statement attached since time opened card showing annual fee charged first charge card shown statement attached advertisement see screenshot taken immediately applying card clearly state annual fee first year\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: closed loan loandepot repeatedly delayed cost time money completed month promised notified despite fund put escrow pay hazard insurance premium hazard insurance premium paid day past closing go pocket pay insurance premium coverage cancelled took hour phone call message online portal told ticket research problem take business day one speak pay hazard insurance premium agent spoke said spends day dealing complaint like mine\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: contacted barclays report card stolen three transaction identified fraudulent three transaction amount old account ending closed new card ending issued transaction removed post account statement ended remaining two transaction posted new account ending even though identified fraudulent transaction contacted bank three time two transaction removed credited temporarily due fraud bank unfortunately able investigate transaction almost day passed posted temporarily credit investigate transaction want pay statement balance full irregular pay amount includes two fraud transaction belong bank say experiencing heavy fraud claim volume result delay wait longer since interest charge accrue pay amount minus fraudulent amount hope bank fix issue quickly possible thank\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: flagstar bank didnt pay second half property tax escrow mortgage payment paid timely every month includes payment escrow insurance property tax missed payment escrow account enough fund pay property tax county auditor charged interest property tax due received notice county auditor yesterday flagstar froze account refuse pay tax escrow\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: attached letter regarding inaccurate unknown item credit report day still received notice response regarding matter way item listed considered verified accurate item displayed inaccurate information across bureau demand proof immediate deletion complaint several violation fcra act feel like taken advantage seek legal counseling punitive damage matter handled accordingly\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: apple bank branch closed time past month already operating absurd short hour closing using excue repeated closure reduced hour making extremely difficult elderly citizen bank regularly pandemic uncalled\nProduct:\n",
        "output": "retail_banking"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: copy notice error sent bank bank payoff md notice error error resolution notice mortgage loan number writing request correction error described regard mortgage property enclosed copy response bank request payoff figure sent third party copy received via usps today escrow error pg enclosed document escrow section stated follows according record listed next tax insurance item paid based in prem county based in prem item error need corrected outlined error insurance guideline federal law right impart account federal law servicer must reasonably believe borrower failed maintain insurance coverage home purchasing insurance policy furthermore federal law servicer must send first notice least day purchasing insurance policy servicer must send second noticea reminder noticeno earlier day first notice least day charging borrower insurance coverage notice must include cost insurance reasonable estimate cost followed none outlined federal law requirement insurance enclosed response request payoff first document state cost insurance previous notice cost reasonable estimate provided prior payoff letter required federal law insurance coverage property remained past year renewing year renewal certificate insurance provided insurance agent via fax mortgage service provider time renewal year lapse coverage cancellation expiration coverage last year period leaving reason lender believe borrow failed maintain insurance coverage purchasing insurance stated federal law submitted evidence coverage multiple time bank last several month using various method communication insurance agent faxed copy certificate insurance multiple time uploaded copy website time count even mailed copy via usps due egregious violation federal law insurance applied account submitting copy notice error formal complaint consumer financial protection bureau cfpb expect response matter bank would like add process refinance new mortgage lender provider payoff loan bank occur within next day however ongoing issue bank course many month beginning continuing present threatening letter addition subsequent removal insurance account requesting intervention carried insurance property past year since original purchase lapsed cancelled expired changed evidence coverage sent various lender last year including bank two loan bank leading refinance one bank loan current bank loan last year period covering span two loan bank never issue insurance coverage either bank previous lender new mortgage provider scheduled close week verified confirmed insurance coverage issue exact insurance coverage provided bank time time course last month received several notice bank stating insurance coverage expired cancelled threatening add insurance provide evidence coverage threat began year first occured although change insurance course two loan bank current loan dating back time insurance agent fax certificate insurance upload copy website provided letter even gone far mail physical copy receive notification coverage accepted insurance removed week later another threatening letter arrives stating insurance expired cancelled cycle continues obviously pathetic employee bank trying justify position pandemic enough became frustrated never ending cycling verifying insurance coverage chose refinance completely different lender sever tie bank last communication bank another letter stating insurance expired cancelled provided updated copy insurance agent via multiple method communication policy renews year point insurance agent even fax another copy bank done repeatedly stop requesting stated date faxed policy renewal longer entertain nonsense blame uploaded copy website put copy mail thought would end since refinancing new lender anyway received copy payoff requested copy arrived via usps payoff letter charge insurance amount charged escrow account bank violated several federal law regarding insurance payoff statement outlined notice error sent addition countless time various method sent evidence continued insurance coverage bank also verified confirmed coverage order proceed refinance question insurance coverage bank completely line violation federal law adding insurance account fully expect loan bank paid full new mortgage service provider charge listed payoff statement processed however charge would paid escrow account balance transfer new loan fund payment property tax taking chance bank fraudulently withholding fund escrow account pay insurance require requesting review matter consumer financial protection bureau bank disgrace american consumer punished accordingly flagrant disregard federal law thank time attention matter\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: back lost wallet personal information inside think much went get new social security dl continued everyday life never issue couple day ago decided pull credit continued get suspicious letter mail looked report shocked number item opened name suspicious item mine contacted ftc local police behalf please remove report company inquiry xxxxxxxx\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: fraud target card issue fraud got fix notice there huge change account owing got dollar made purchase made payment still calling understand sloppiness account didnt make sense purchase purchased returned store manager one item kept went back purchase day paid item returned random keep coming statement several time confused whats going best get anyone get help nothing run around silence got called twice different employee target told pay account investigation result make payment told first account understandable waiting get help top realized target reporting missing payment understand called made payment made payment per another target employee paid wasnt going anywhere today want get mortgage loan sure enough target reporting missing payment called see whats problem supervisor told going throu long conversation going help fault tried paid something didnt feel right didnt made decision paying bill continued call seriously target going treat loyal customer never late since sudden im late im trying get help im default pay report refused help giving wrong information target employee im still trying understand bill owe target big bill making pay something retuned since knew im going buy house made sure always pay bill time never late sure enough dream shattered due big corporate selfishness liar cheat fraud target hopefully ever read please help never intent pay bill specially pandemic would say im without getting help moreover made two payment dollar believe conveniently dollar payment missing paid cash payment convenient greatly appreciate prompt attention matter target keep reporting late thank\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: address information inaccurate credit report victim identity theft past would like address removed updated current address\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: back spoke supervisor transunion supervisor stated would send dispute company pulled credit report stating didnt authorize transunion rep told company never responded back law inquires suppose deleted transunion refuse delete inquiry stating company never responded\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: going back forth mortgage company phh mortgage regarding loan modification phh said pay mortgage payment listen phone recorded conversation able send loan payment received approved loan form due date phh claimed made phone call regarding loan modification currently due coronavirus told today may laid work thing pick back faxed copy bank statement showing proof payment along loan modification application income document debt due month going back forth much time passed phh considering loan modification phh would reviewed loan modification document sent would seen payment claimed missed paid would listen recorded phone conversation would heard asked would able submit payment due date since form sent late payment present made due phh accepting payment loan modificatio fault mine phh mortgage accept payment caused negative npv month passed phh caused negative npv accepting payment towards loan modification approved\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: tree fell roof snow melted leaving bedroom filled black mold maintenance removed branch broke window attorney reached response month kept deposit charged therefore filed civil lawsuit prepared ask maximum amount damage credit judgment court open case county magistrate court naming defendant cant put credit judge make ruling owe\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account name account number account type auto loan responsibility joint date opened status account charged written past due status updated balance balance updated recent payment monthly payment original balance highest balance term month record\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: rough month told dovenmule could make partial payment lump sum owed option make payment foreclose apply loss mitigation program order qualify loss mitigation told make additional payment till approved program also told entering loss mit program payment owed would deferred end loan month behind received paperwork stating approved starting payment would per month defer debt owed like said rather jacked payment tried calling multiple time always transferred loss mit rep voicemail never returned call told option pay dept make monthly payment year realized marking delinquent monthly payment making completed loan modification program told throughout year completed would able remove month delinquency credit report since pay full current payment repayment debt amount time month today sending many email email address never responded today called finally told applied loan mod payment current payment repayment debt amount entirety past due month till end program mean regardless making full payment time reported delinquent entire year told loss mitigation today remove derogatory mark regardless said past top sold loan another company called make payment told could loan sold called company told transferred delinquent needed work credit severely impacted want resolved however work attached payment statement dovenmule see payment also see payment listed current month include additional dollar paying month attached also bank statement proving payment\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: due corona virus able pay mortgage today interest rate almost definitely mortgage prisioner believe could get help high rate would able struggle muchand could easier able get back track home inforclousure extremely stress fut time abe loam modification company give help high rate mother home passed away xxxxi struggling ever since please could obtain assistance xxxxyears old recently currently undergoing therapy able work due corona virus missed work ue\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: submitting complaint extremely affected credit convergent outsourcing completely unfair dont know get ahold portal want express suffered big impact credit score lived one worst period life situation company reporting wrong information account failed mark account disputed unfair business practice account number date opened hight credit limit balance dispute based many damage violation committed want item removed record asap\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: due current virus situation impacted job contacted sallie mae today ask forbearance told decision made later even granted interest loan continue accumulate deem greediness part company considering fault citizen country situation came existence\nProduct:\n",
        "output": "mortgages_and_loans"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hello opened visa credit card one temporary account number permanent account number credit line sent card afterwards however never received anything regarding credit card received call collection company fm inc recently call found mail address wrong missing reason never received document credit card account issued neither physical visa card copy receipt wrong mail address resent fm upload one month example provide needed total balance due initial balance additionally credit score impacted significantly contacted fm dispute interest charged account get financial score corrected credit report highly appreciated help\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account settled full posted told recorded line also audio recording trade line credit report portfolio recovery would requested deletion within day posted date thirty day contacted company told something effect sure system showing account closed therefore tradeline deletion request credit report requested day agreed upon date customer service representative attempted elude question executive operation manager initial refused transfer supervisor despite multiple request\nProduct:\n",
        "output": "debt_collection"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: reviewing report seeing several inquiry authorize unaware reached company directly told call three bureau going big circle trying get thesis unauthorized inquiry\nProduct:\n",
        "output": "credit_reporting"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: hi placed online order merchant charged citibank credit card day merchant never shipped item refund item even though merchant refused anything send item refund time never received item contacted dispute transaction online bank day citibank emailed case solved yesterday found amount disputed charged weird checked transaction citibank credit card several time see transaction think transaction happened credit card statement issued issue date every month transaction charged happening online bank citibank thank time attention best regard\nProduct:\n",
        "output": "credit_card"
    },
    {
        "input": "Including narratives choice the best match product with the items from the list: 'credit_card', 'debt_collection', 'mortgages_and_loans', 'credit_reporting', 'retail_banking'.\nComment: account reported rent recovery solution repeatedly advised original creditor disputing living apartment complex slipped fell premise requested move charged thing owed\nProduct:\n",
        "output": "debt_collection"
    }
]