hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Midland is reporting and should not be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation

Complaint:
I have not been able to use my Netspend card since XX/XX/20. I have available funds that I gave deposited as well as my Stimulus payment but the card declines when I try to use it in stores, online and at ATMs. I have tried to reach out to Netspend customer via secure message on the Netspend app, customer service ( XXXX ) but have received no response. The number rings busy and or I am placed on an extended hold then the line disconnects. I am not able to use the funds on my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I attempted to change my address with CapitalOne. The customer service people gave me several options for verification. I don't have a cell phone so I was unable to get a text message. Then they took my daughter 's cell number and sent a link to take photos of the front and back of my driver 's license. After numerous attempts we had images that looked fine. The rep refused it. Spoke with a supervisor who refused to allow us to resubmit photos of the license. She advised it could be changed online. Attempted to go online and was told we needed to call them. I believe this company is trying to take advantage of me because of my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint:
Reported fraudulent charges, they have been working on the case for 3 months now. Didnt provide any updates, I provided all the information they needed. They now say after 3 months when I called them that they cant dispute and reversing the credit they gave me. I filed this within the proper time span and provided all the information regarding the claim XXXX. These were not allowed by me and not approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I HAVE NOW ASK THESE COMPANYS TO DO THE RIGHT THING BECAUSE MY INFORMATION WAS STOLEN AND MISUSED THIS MESS HAS HURT MY LIFE AND FAMILY LIFE I NEED THESE ACCOUNT REMOVE ASAP

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 2021-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL

Complaint:
I have contacted Amazon Store Card / Synchrony Bank regarding multiple returns that I sent back and received confirmation of those returns via email to XXXX on Friday XX/XX/2021 and yet my Store card is not refunded. 

So they have the merchandise, acknowledged the returns but wont credit my credit card and are collecting interest. 

This is criminal. 

Called today and the response is typical, it can take a week or more .... huh?? 

I dont thing so, and if I open a dispute it can take 90 days so its like a threat not to open a dispute.

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 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I provide information to   XXXX   in   XX/XX/XXXX ,  disputing inaccurate reporting by  XXXX  and   XXXX   XXXX   XXXX   on my credit report. Supporting documentation and the listing of my chapter  XXXX  case including my student loans was referenced in the dispute to  XXXX . I reviewed the completed dispute from  XXXX  recently and the disputed items are displaying that my account with  XXXX  is closed, and that no payments have been received since  XX/XX/XXXX . I have been under chapter  XXXX  bankruptcy since   XX/XX/XXXX .    XXXX   XXXX   XXXX   has been reporting payment history for all of my loans to this reporting agency since that time

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 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK

Complaint:
I have been a Discover card member since XX/XX/2010. Today, I learned that each month, I have been getting charged for something called " Discover Payment Protection ''. This charges my card based on my current balance, and is currently averaging about {$60.00} per month. Over the past 8 years, these charges equal thousands of dollars. 

I was NOT aware of this " service '', and however I was signed up for it, it was not to my knowledge or with my explicit consent. The " service '' was never transparently presented to me, and Discover is unable to provide the documentation that kicked off the service for me in the first place. 

There was a lawsuit over this very issue, but Discover has since changed their policy to only refund 6 billing cycles worth of these " service '' charges ( as opposed to the full refunds that consumers have gotten previously ). I spoke to various people in this department of Discover, and all said that there is nothing they can do beyond the 6 billing cycles. They all kept reading from the same script, and not directly addressing my concerns. They claim that the monthly charge being included in my account activity and " newsletters '' are enough to notify me that I had this service. 

If you do not check your account activity, or do not read newsletters from your credit card companies, there is no other was to know this is happening. 

I feel that this I was signed up for this deceitfully and I am owed all of the money that has been charged to me since XX/XX/2010, not just in the past 6 months. I am truly considering leaving Discover and taking my business to another credit card company who doesn't use these low bar tactics to make money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC

Complaint:
I already filed a complaint previously the complaint ID XXXX. Against Receiveables Performance Management. According to them they are correctly reporting to the credit bureau and that XXXX enlisted them to collect a debt ( which was already paid to XXXX ) I contacted XXXX once again who has again stated that because I had a agreement to pay them and I paid as per our agreement they did not enlist Receivables Performance Management. One of these companies is in the wrong!!!!!! I had an agreement with XXXX to pay at a certain time and if I kept to this agreement no collection activites or action would take place! So if XXXX indeed contacted Receivables Performance then they are in the wrong and if they did not as they keep telling me then Receivables Performance is in the wrong. All I know is I kept my end of the agreement and next step is to seek legal advice! This is very deceptive and something is not right.

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 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation

Complaint:
I am not sure of the specific dates, but I have reached out to this company on several occasions requesting that they remove the negative/ late payments from my account as my vehicle has been paid off since XXXX of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX  XXXX XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX/XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX of XXXX XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA

Complaint:
I opened a savings account with Apple Savings using Goldman Sacs. I deposited {$49000.00} on XX/XX/XXXX. I then tried to withdraw {$11000.00} on XX/XX/XXXX as they advertised that you can do unlimited deposits and withdrawals unlike other banks. 

Then it had been 3 days and I did not receive it, I reached out and they sent me a rude note saying that I should read the XXXX XXXX  XXXX as they have 5 days. 

I wrote to them that I will no longer use them as it says 1-3 days for the funds to be sent. 

I then requested the remaining {$38000.00}. 

They then declined the withdrawals and when I call they say they can not help me and that I need to wait for someone to call me. 

This is theft. Please help me get my funds back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I have disputed the inaccurate reporting of XXXX XXXX XXXX XXXX several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. XXXX is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX. The investigation into this inaccurate account has been less than adequate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CSO Financial

Complaint:
I called CSO Financial Inc twice to take care of my debts. They would not just let me pay. They said I had to pay additional interest on the debt and said I had to talk to someone else to find out how much I owed, rather than just allowing me to pay it off. They attempted to collect unnecessary information ( address, phone number ) and would not just provide me with the info I asked for or allow me to pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER BANK, NATIONAL ASSOCIATION

Complaint:
My bankruptcy was discharged in 2014. The lender of the loan in question ( Santander ) was also listed in the bankruptcy and the loan was discharged. The original lender ( XXXX ) was bought by Santander bank. Apparently, Santander is assigning loans and has started sending bills for this very same discharged loan. I also just found out that Santander has managed to add a " delinquency '' on my credit report which is of course affecting my credit score. I suppose to benefit them in some way, the entry on my credit report goes back to right before I filed for bankruptcy. My thinking is they did so to make it look like it wasn't added to the bankruptcy. Yet again, I have never had an account directly with this bank. They have essentially fabricated a new account in my name, and established their own line of delinquency, so they can attempt to collect the debt that has already been discharged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.

Complaint:
On XXXX XXXX, 2022, a charge for {$61.00} from XXXX XXXX appeared on my Citibank credit card statement. I do not recognize this charge, and the statement says its from last XXXX. Ive contacted Citibank by phone on XX/XX/XXXX, XXXX, and XXXX, but they have done nothing to resolve this. Each time they say XXXX get a credit, but it never happens.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the fair Credit Reporting act the account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. ACCOUNT IN REFERENCE : OAG XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written. Instructions per the FCRA all information reported must be true and accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.

Complaint:
In XXXX of 2019 XXXX XXXX XXXX  XXXX placed a collection of {$85.00} on my account, that is now owned by OAC and being reported negatively on my consumer report. I was living in XXXX, CA at this time and nowhere near XXXX. which this medical bill is for. I have always received my care at XXXX facilities. I have no knowledge of this account and no way of verifying.

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 2016-12-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada)

Complaint:
Over a year ago, XXXX, I received an email from a police officer in XXXX saying that XXXX ( a XXXX company ) was pressing criminal charges against me alleging fraud over a {$600.00} transaction. I attended the court date, and neither the officer who filed the complaint nor a representative from XXXX payments was there. The judge informed me that I would be notified of a second court date appearance where the case would be settled, however I was never contacted again regarding this matter from the court or the company, and I assumed it had been thrown out by the judge. 

Today I come to find my credit score is lower than it usually is and see that there is a collection claim out against me from XXXX through Allied Collection Service , Inc. of XXXX for the same disputed amount that I had previously attempted to settle in court. 

So, 2 years now after the disputed transaction has occurred I 've had criminal charges and a civil suit taken out against me. Is n't this barred by the Constitution ( 5th Amendment )? Also, if XXXX would have just sent me a bill in the mail as soon as they realized they were not paid for the disputed transaction, I would have gladly paid it and had this done with. 

At no time have I even been able to defend myself to the company or in the court. And now, over a year later, they are targeting me through a collection agency. 

This just does n't seem right, especially since I have received no emails, letters, or phone calls regarding this matter besides the one notice that said I had to appear in court, which I did.

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 2016-10-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation

Complaint:
i sent a debt validation to united recovery corp in XXXX, they never responded with verifiable proof and documentation that im suppose to pay, its XXXX now and they still reporting on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP.

Complaint:
FACTUAL DATA unlawfully pulled my credit report with no permissible purpose. I tried resolving through the credit bureau and directly with FACTUAL DATA but they are ignoring my request. I am requesting the furnisher of information to produce proof of permissible purpose by me or remove the inquiry from my credit reports quickly.

Company response to consumer: Closed with explanation