hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation

Complaint:
On XX/XX/XXXX I disputed a unauthorized transaction with NetSpend All access in the amount of {$200.00} and zero cents. I was notified by the dispute department by email to write a letter of dispute within 10 business days to the department requesting the credit back to my card. I did that. I received a email after that stating that I have until the XXXX of XXXX to receive this credit back to my account. On XX/XX/XXXX I was notified over the phone by NetSpend that my dispute was closed and that they do not find any error with the the transaction. Stated that the transaction was valid and that a full investigation was made and they believe that because the transaction was made at a known merchant of mine and because I didn't change my pin before this happened that the transaction was valid and they are not issuing the credit back to my card. I called the same day of the incident and reported that my card was used and I do not recall and did not authorize the transaction. I said that " IT WAS NOT ME MADE THE ATM TRANSACTION ''. I was told that I will get help and this charge will be disputed, and on XX/XX/XXXX I was told that I can not receive my money back because NetSpend feels like there was no error found. I believe that if I call and say my card was stolen and I did not make this transaction, that is a error that needs corrected. NetSpend did not correct this error and their reason was because I have used that mechant before. I am desperately trying to recover the {$200.00} that was stolen from me and it is so not fair that my money was taken and NetSpend will not do what needs to be done to give it back. I am filling a complaint on the dispute because I know in my XXXX for a fact that NetSpend All access is wrong. If my money was wrongfully taken from me and I reported this in a timely manner, there is no reason why I shouldn't get it back. I did not receive a copy of the investigation that was supposed to be sent to me by mail and email. The supervisor I spoke to was vXXXX XXXX I was hung up on twice. I am completely feeling robbed with out any answers, this is very hurtful, I've gotten sick during the fight for my money back and I'm tired. Can someone from this Company please reach out and help me. This is my first time having to file a complaint with the cfpb.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC

Complaint:
I settled & paid off a debt owed for my XXXX credit card back in XX/XX/XXXX with the debt collection agency at the time. The company name was XXXX XXXX XXXX, XXXX. The account was discharged and released off of my credit report. 

In XXXX, Jefferson Capital Systems acquired my information from XXXX XXXX XXXX and began harassing me about the same debt which was paid in XXXX. Jefferson Capital Systems applied a derogatory mark on my consumer report for collection of this same paid-off debt. My credit score dropped XXXX points due to this. I am currently trying to resolve the matter with them but they are not responding swiftly or with any sense of urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc.

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report :XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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:
Sent certified mail delivered in the XXXX on XXXX stating this account XXXX XXXX XXXX was not mine and may be fraud. I have many open accounts with XXXX XXXX in good standing and this must be a mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc.

Complaint:
IN accordance with the fair credit reporting accounts listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, Original Creditor XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, These accounts have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my writen instuctions.

15 usc 1681 i ( 5 ) inaccurate credit reports directly impair the efficiency of the banking system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX  XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX , XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been violating my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.

Complaint:
This is the second complaint regarding the same companies. I filed a complaint in XXXX because the payment for my new car was applied to an account that was already closed. COMPLAINT ID XXXX In XXXX I got my first car with XXXX located in XXXX. When the time for my lease expired and I had to return the car in XXXX, the dealership offered me a new contract for a new car, and I decided to sign a new contract and lease a new XXXX XXXX. But the basis of this new lease was that the dealership was going to take care of any balance left on the XXXX XXXX XXXX car and the next month I would start paying for the new lease ( XXXX XXXX XXXX ). ( Which only makes sense, why would I pay for 2 cars at the same time? ) Because the balance was not paid by the dealership, when I got the new car ( XXXX XXXX XXXX ) and had to pay the first month for my new car, the bank applied the payment towards the old account that should have been closed ( That's what my first complaint was all about ). It's XXXX and the balance for the first car was not paid ( {$460.00} ), and the bank ( XXXX  ) just called me threatening to report my name as delinquent on the credit report again. I would like to have someone to assist me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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: CBC Companies, Inc.

Complaint:
On XX/XX/21 hard inquiry was posted on XXXX XXXX, what inquiry was for and who made this inquiry is unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Upstart Holdings, Inc.

Complaint:
I refinanced my XXXX XXXX XXXX with Upstart around XXXX of XXXX. In XXXX of XXXX, I applied for a COVID assistance payment plan ( they reduced my payments to XXXX $ a month for 3 months ) and was approved. 
Starting that month, they began reporting to credit agencies that I was late on payments. They continued to do so through XXXX of XXXX before Defaulting my account and sending it to Collections. 
This is wrong as they continued to charge me as agreed from XXXX through XXXX, and my account was on XXXX. The only payment that bounced was once my account wasn't sent to collections. 
I have bank statements to prove these charges, and the agreement with the company that I signed. Upstart NEVER contacted me about my account being late, until they closed my access to my account. 
If I was late, how did my autopay not charge me for the late balance? My autopay was set to balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/, I traveled on Spirit Airlines ( Bank of America ) from XXXX XXXX to XXXX XXXX with one backpack to avoid paying any bag fees. My backpack was approved by the ticket agent and at a secondary bag inspection point. 

Upon boarding the plane, I was pulled aside and informed that I would now have to pay a {$99.00} fee because my backpack was too large, even though it already approved and was within the dimensions dictated by Spirit Airlines. I reluctantly paid the {$99.00} and boarded the plane. 

Upon returning home, I was able to board the plane in XXXX XXXX with the same backpack without having any issues ; my bag was Free as it should've been in my departing flight. 

I made a complaint with Bank of America and on XX/XX/, Bank of America denied my complaint and approved the {$99.00} charge stating that Spirit Airlines had the right to request payment for services rendered. 

Bank of America and Spirit are in business together. Without Bank of America, you can not have the Spirit card, and vise versa. Bank of America stated that their decision is final. So now I have to pay {$99.00} for a backpack that should've been Free. 

I believe this is a scam utilized by Sprit Airlines and backed by Bank of America. I have the departing and returning tickets, fees and correspondence from Bank of America. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CU Recovery, Inc.

Complaint:
I am filing this complaint against CU Recovery Inc. because of their lack of reply to my debt validation letter. Dating from XX/XX/XXXX to recently I have been trying to negotiate a settlement to payoff my debt with CU Recovery, originally from XXXX XXXX XXXX. After several attempts to do so, I began to worry that they were scamming me or that they were stalling progress in order to add fees to increase the original debt. On or about the week of XX/XX/XXXX, I contacted XXXX XXXX XXXX ( the original creditor ) to ask them to validate my debt, they refused to talk to me in XXXX attempts, instructing me to make all contacts with CU Recovery Inc. I was then in contact with the collection agency ( CU Recovery Inc. ) and sent the attached debt validation letter on XX/XX/XXXX via US Postal Service Certified Mail ( ATTACHED ). The collection agency received the letter on XX/XX/XXXX but has not responded to my request for original documents and have since stopped contacting me. 

I am concerned that CU Recovery Inc. is not a legal entity or that it is trying to stall the process to settled in order to hike fees and other interests, specially since they have not responded to my debt validation request claims and the amount they say I owe does not reflect the amount reported in my credit report by XXXX XXXX XXXX this month. 

According to the Fair Debt collection Practices Act ( FDCPA ( section 1692g ) and XXXX Administrative Code ( section XXXX ) the agency should verify my debt and send me the following, in writing, within XXXX days of receiving my letter ( it has been over XXXX days now ) : proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest and other charges and for all other charges, the date of and basis for each charge. Please help me obtain this information that is due to me by law from the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL

Complaint:
In XXXX of this year ( 2016 ) I obtained my credit reports from all XXXX credit bureaus, I discovered XXXX XXXX, XXXX ( XXXX '' ) reporting a trade-line on my consumer credit files for an amount of {$950.00} for GE CAPITAL RETAIL BANK. 

I mailed a XXXX a 'Demand for Validation ' letter including a copy of my credit report displaying the trade-line via USPS certified Mail Tracking ( # XXXX XXXX XXXX XXXX XXXX XXXX ( letter attached ). I received a reply from XXXX XXXX, XXXX stating that, " Unfortunately we are unable to locate your account in our system '' ( results attached ). XXXX XXXX, XXXX failed to acknowledge my dispute and continues to report the erroneous trade-line. 

I disputed the trade-line furnished by XXXX XXXX, XXXX with XXXX and XXXX USPS Certified Mail ( Letter Attached ) and remains on my XXXX separate credit reports.

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 2021-04-21
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:
Well over XXXX days ago, I noticed an error regarding an account " XXXX XXXX XXXX XXXX XXXX  ''. In fact, I noticed several errors regarding this account on my credit report. XXXX of the errors shows late payments, derogatory status and included in a bankruptcy. XXXX of the other error shows a balance, no late payments and included in a bankruptcy. Since both of those were paid in full, not included in any bankruptcy and had XXXX late payments- there are serious discrepancies and errors. Upon addressing this with both XXXX and Experian, nothing was done. I contacted the creditor who could not find any information or signed contracts regarding the accounts in question. I sent another set of letters to XXXX and Experian asking for validation of the reporting information with zero results. Furthermore, it is my understanding that if an item disputed extends beyond XXXX days, the law requires that the disputed information must be removed from the credit report. XXXX  and Experian fail to comply.

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 2020-08-02
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: HCFS Health Care Financial Services, Inc.

Complaint:
My name is XXXX XXXX and on XX/XX/2020 and XX/XX/2020 I sent a letter disputing a collection account asking for verifiable evidence that the XXXX collection accounts they are inaccurately reporting. The name of the collection agency is ARS Account Resolution, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida. The company has not been able to produce verifying evidence of the debt bearing my signature which is the legal way of a method of verification. They continuously send the same pre-drafted response.

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 2020-09-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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:
These are not my accounts listed. I have submitted my correct address with a utility bill and I can assure that I am not a credit repair company nor am I a mortgage company. Please remove these accounts.

Company response to consumer: Closed with explanation