hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-01-15
Product: Vehicle loan or lease 
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan
Company: AFNI INC.
State: DC

Complaint:
AFNI, XXXX credit provided a leased vehicle in XXXX with monthly payments. After 6 months of payments, the car which was on my private property was suddenly taken without any notice. Upon calling XXXX, I was informed that they did not have the loan number. Upon calling XXXX XXXX XXXX, I was informed that the Bank has not bough the loan from AFNI. Further, XXXX did not provide any copies of the documents after there was a robbery on the premises where all the documents were taken. 

Having opened suit in DC Superior Court for trespass and breach of peace which is based on the supposed default of the loan. If I did default, there has to be notice provided by the creditor on the terms and possible repossession of the vehicle. The calls as provided by the credit company do not indicate why there was no evidence of the default. After 5 months, the car is taken from the driveway without informing the leasor prior to being in Court for an important hearing which she is plaintiff. Ad the credit company contends that the loans were agreed upon by the parties and there has been no bank involvement, the vehicle has been taken by breach of peace and XXXX has committed trespass. These facts have been provided at mediation and AFNI says it has documents which prove that there is a deficiency that has to be fulfilled. Under DC consumer laws, Im requesting that my rights to be provided notice on a loan within 30 days of any possible default is protected. I also have not been provided any notice of the car being repossessed, auctioned or any activities by XXXX from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Product: Checking or savings account 
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint:
This issue has to do with the way that Bank of America does their account linking in their Bill Pay part of their website. In certain cases it looks like account links in the Bill Pay Center can be removed without warning. It might result in overdue fees, interest on balances and negative impacts to credit score. 



I used to have a Bank of America checking account in like XXXX but closed that but kept using a Bank of America credit card. I paid the bills for that credit card using a checking account at another bank, call it Bank1. Fast forward to like summer of XXXX and I opened a new checking account at another bank, call it Bank2. I verified and linked up my Bank of America Bill Pay to autopay the Bank of America credit card from Bank2 for the last 2 months. 
I re-opened a checking account with Bank of America during the last week of XXXX and my previously linked checking account from Bank2 has disappeared from the Bank of America bill pay center. For some reason, re-opening a checking account at Bank of America reverted the banks I had set up in Bill Pay to what is was in XXXX. 



In my Bill pay center it clearly shows that the autopay from Bank2 was set up before because it says the autopay is still scheduled but an unverified account. And I don't see a way to set up a payment from a bank account that is not linked to my Bank of America Bill Pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX XXXX ; XXXX  # : XXXX, XXXX XXXX XXXX XXXX XXXX  # : XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint:
The companies are continuing to report inaccurate items on my credit repair company after I warned them once I sent my second warning off letting them know to stop illegally reporting the items im attaching my letters I sent to them containing all the information neccessary

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint:
Hi Im really taken back from by how they are reporting this XXXX card on my credit report they said the did an investigation but if they are following reporting laws they would see they cant report an account late after its closed. And that what they did I have the proof what do they offer me for further damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Product: Debt collection 
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Tags: Older American, Servicemember

Complaint:
Dozens of calls from XXXX numbers from Portfolio Recovery. They are looking for someone named " XXXX '' who had this phone number before we did XX/XX/XXXX. I 've told them this in the past yet they continue to call. I was forced to get a call blocker just so I could ignore them. We have never had any kind of debt go into collections at any time. We have never had any debt in arrears at any time ( this is over 40 years time ). We are not who they are looking for but they will not stop calling. 

I 've attached a partial list of some of the numbers and dates that Portfolio Recovery has called. These all came after I had informed them that the person they are looking for no longer has this phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
In accordance with the Fair Credit Reporting Act XXXX accounts : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20
Product: Debt collection 
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Circleback Lending, Inc.(Closed)
State: TN

Complaint:
I lost my job in XXXX of 2016. I had taken out a loan with CircleBack Lending, but informed them of my unemployment status. I sated that as soon as I regained employment I would be able to begin paying again. I was unable to regain employment until the beginning of XXXX. I have done everything they asked, but I continue to be told my loan status is delinquent. I received calls and emails constantly, even after speaking to someone. I am being bullied and harassed by this company as I have several emails indicating that CircleBack may have to report me to debt and credit reporting agencies. In addition, my family members have been contacted on home phones and cell phones.

Company response to consumer: Closed
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint:
On ( XX/XX/2016 / {$4400.00} ), USAA SAVINGS BANK added a derogatory mark on my credit report per XXXX XXXX, XXXX, XXXX, and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. 
According to the FCRA, USAA SAVINGS BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. 

In addition, the CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: AZ

Complaint:
Never receive any paperwork prior to collection / reported on bureau. I went ahead and paid it on XX/XX/XXXX and the collection agency said they would send it for the trade line to be deleted off my credit. I called in on XX/XX/XXXX and spoke with a rep who said they wont remove it. I asked for a supervisor, and spoke to XXXX on XX/XX/XXXX who said give him 72 hours and he would call back after pulling the recording to verify that was what I was told. I never heard back so I called that following Friday, he didnt have the tape still and said he would call me back Monday. Its now XX/XX/XXXX. We keep calling and cant reach him and no one has called back. I want the trade line deleted as promised when I paid. Called today and spoke with XXXX who said I cant help you bye the call wasnt recorded. By law they have to be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Nelnet, Inc.
State: NY

Complaint:
the following accounts appear on my credit report, they do not belong to me and are hurting me Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint:
Wells Fargo allowed XXXX dollars to be stolen from my account via XXXX  XXXX, and ATM withdrawal. The claim had been denied due to the ATM withdrawal, which was not me. They failed to investigate properly or check any sort of cameras to prove this transaction was not me. They also refuse to refund the fraudulent XXXX XXXX payments. I offered to provide identification to verify that these charges were not done by me, as well as proof I was not in the area of these ATM withdrawals, but all of my attempts have failed. Please help. They took every cent in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint:
I had previously advised Chase not to send me confusing and poorly designed marketing materials, but Chase continues to do that regardless of the fact that it ridicules itself. Please see the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: NY

Complaint:
XX/XX/XXXX XXXX : United Collection Bureau , Inc., ( USB ) Reference XXXX. 

This is my communications and complaint regarding USB 's continued hazing, lying, unprofessional, and USB has violated the rights of the consumer, and committed fraud. 

USB obtained fraudulent information from XXXX XXXX XXXX XXXX XXXX XXXX in the month of XX/XX/XXXX, via XXXX. USB has misused my personal identity and personal data due to XXXX XXXX data breach of my personal data. 

XXXX has the records of the data breach in the history records due to overseas fraud in XXXX and XXXX. 

This matter is closed. USB is stop immediately. I have secured legal services and investigation at my own cost, I have to carried Identity Theft Protection at my own cost. 

XXXX has a debt to me for legal fees, fraud, professionalism, and data breach in the amount of {$7500.00} USB is acted unethically in research. In addition, I have been notified to make a formal legal complaint to The Department of Consumer Affairs in New York, License number XXXX. 

Respectfully yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint:
In XXXX, Target Credit changed my account from a regular store account to a regular Target MasterCard. I had this Target account for many years and had excellent credit. 

I made payments on this new card by phone just as I had always done with my old Target account. The automated would say my payment had been received. But when I would call to make the next payment the automated would say that I had skipped a payment or was late on a payment. This was very confusing as I always pay my bills and my XXXX score XXXX at that time. 

By the time I finally was able to get to the bottom of this my XXXX plunged to XXXX. They dropped my {$4000.00} credit limit to only {$1000.00} and that caused my score to drop so drastically. Evidently, my bank account number had been transposed in the transition from Target Store Card to Target MasterCard. 

After making a telephone payment with a representative, I asked the Target representative I spoke to on the phone to let me speak to a Supervisor. He said " there is no Supervisor to talk to. '' I even tried other Target telephone numbers to try to talk to someone else. I felt that my excellent payment history with Target should count for something. I do not believe this should have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint:
On XXXXXXXX XXXX 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: Northtown Capital Services Group LLC
State: TX

Complaint:
On XX/XX/XXXX I received a phone call from a debt collector who Identified herself but not her company via voicemail. I returned the phone call and after stating I was the party that they were looking for the female who answered proceeded to tell me this was about a debt and asked why I stopped paying the debt. She did not identify who she was with or the name of the company that originally owned the debt until I asked about it. While this was not a violation of FDCPA, she did fail to give notice that is is an attempt to collect a debt and any information obtained will be used for that purpose. 

The primary reason for the complain is a violation of FDCPA section 809 subsection a ) notice of debt ; contents. 
" Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- " It has been 8 days since the initial communication and the collector has not sent notification. This is a clear violation of the FDCPA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint:
I am the author of this complaint as well as the attachment that is being sent. I XXXX XXXX checked my consume report and noticed unauthorized inquires reporting. I reached out to Equifax and to no avail I did not receive a solution. Equifax has violated the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Congress has made findings and according to 15 USC 1681 the banking system is dependent upon fair and accurate credit reporting. I can not get approve for the products and services offered by institutions because Equifax is reporting fraudulently and inaccurate items on my credit report. These inquiries has been furnished without my consent, I DID NOT AUTHORIZE ANY OF THESE REPORTING INQUIRIES. There was no permissible purpose and is a violation of 15 USC 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Remove these inquires as seen on my credit report. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The uploaded inquiry removal letter has also been sent to Equifax via certified mailXXXX.

Company response to consumer: Closed with explanation