hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-04-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CU Recovery, Inc.

Complaint:
1. According to the FDCPA, my federally protected rights have been violated. In XX/XX/2019, I, XXXX XXXX XXXX was contacted via phone by CU RECOVERY, in reference to a debt. This was their ( CU RECOVERY ) first time contacting me. While I was on the phone, the agent never told me that I had the right to ask them ( CU RECOVERY ) to " validate '' the debt, which is my right under 15 U.S.C. 1692I.

2. Also, as a consumer under the FDCP, my right to privacy was infringed upon, due to the fact that I never gave the debt collector ( CU RECOVERY ) permission to contact me directly via phone. The debt collector ( CU RECOVERY ) also had a my previous address on file which is another source of contact infornation they never receieved from me directly. 
3. Also, under 15 U.S.C 1692b, the debt collector ( CU RECOVERY ) were not supposed to use a logo on any documents, nor were they supposed to acknowledge that the notice was an attempt to collect a debt. As I stated above, the address they ( CU RECOVERY ) had on file was a previous address, which means that they possibly mailed a notice to my PREVIOUS address, which means they possiblly communicated with someone else other than me in reference to the debt, which is also another infringment on my right to privacy. 

THE AMOUMT OF THE DEBT TOTAL IS {$28000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.

Complaint:
Hello, I am reaching out to you because have been overlooked in a recent NJ class action lawsuit against Navient for New Jersey student loans borrowers. I had Navient as a loan servicer for the last 10 years. The Attorney General XXXX of New Jersey sued Navient for restitution in the case where it was determined that deceptive trapping and/ or deceptive, misleading tactics by the Student Loan Servicer were carried out. I have a loan in the amount of {$71000.00} ( Split into two types of loans XXXX XXXX XXXX XXXX XXXX ) the original loan started at {$20000.00} and I was advised by Navient to continually put my loan into forbearance for years going back to XXXX approximately. I read the FAQ 's for the AG lawsuit that the loan will be wiped out for all NJ borrowers from Naviant by XXXX XXXX Mine has not gone away yet. It's now XX/XX/XXXX. I even wrote the NJ Attorney General XXXX about this in hopes that I would not be passed over some how, however I did not get a response yet. I also contacted the Navient Settlement administrator, and they wrote me back claiming they have no record of me in their system. This is a lie, and I am being cheated. I get calls from navient currently about servicing my loan so there is no way there is no record of me. This debt has affected and plagued my life in every way. I have struggled every time when trying to acquire a credit card, a car loan, and even when attempting to purchase a first home. My credit score has suffered immensely, and in all phases of my life, I have always suffered from higher interest rates and or had to put up my own money in cash for a secured credit card. Any time I had to buy a car I would not get approved for a loan and I would have to pay a lot of money up front just for a chance to get approved for a high interest loan. That is not how it's supposed to be for a working-class citizen and a XXXX XXXX  XXXX 
Here is the link to the Attorney General article. I am demanding that Navient immediately clear my debt as I was involved involuntarily in their plot for run up loan amounts with high interest rates. I fall into this category of borrowers that the Attorney General mentioned. I have my loan documents and recorded calls to prove what they ( Navient ) told me. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE

Complaint:
I mailed a payment check for {$11000.00} to Barclays Bank to payoff a credit card balance on XX/XX/XXXX. The check was sent in with the payment coupon to the address on the coupon, and the last four digits of the account were printed on the memo line. I have a copy of the canceled check that was cashed by Barclays on XX/XX/XXXX. Barclays has not posted this payment to my account. I contacted Barclays several times and was told they would research the payment and contact me with a resolution. They were able to confirm that they received and deposited a check for {$11000.00}, but have no idea what account it went into. To date, there has been no resolution and I am forced to continue making monthly payments on a balance that I have payed off. 

I contacted Barclays on following dates : 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  No one has ever contacted me to ask for any documents related to this issue, not even a copy of the cancelled check that was deposited into a XXXX XXXX account assigned to Barclays .

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 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint:
on XX/XX/2020 i called Comentiy Bank which partners with Victoria Secret to pay my Pink card ( credit card ) bill. Previous to me paying this bill i called in let them know on my last bill cycle that i was out of a job due to the covid-19 epidemic and the extra late fee i could not pay and the charge to process my card should be wave because i was still trying to make a payment in-spite of the situation. i told them that i would probably be a couple days late because i was using my savings to pay bills and i would have to get all of my main house bills out the way first because i have XXXX  children that lives with me and i cant do without. The respond was we will not charge you these fee we understand the situation that you are in. i thanked them and the called ended. i call back on the XXXX of XXXX and things changed. my bill was due on the XXXX of XXXX and i was 3 days late but i want to pay them to stay ahead of my bills. i talked to the rep. about the late charge and she transferred me to someone she said that could help wave the fee be the person that i talked to said there was nothing that she could do i explained the situation and what was told to me and still they said that they couldn't do anything about it. i had to pay a XXXX dollar late fee and a XXXX processing fee on a XXXX bill in the end i payed XXXX to try to stay ahead of the bill and the late fees i payed more then i had to spare. so in the end of me paying the money only XXXX went towards my initial balance. on the next payment i will have another late fee and process because in till i can go back to work i will be late paying my bills because i can only pay out what i have. trying to move money around the best way that i can right now. they offered to lower my payment with the program that they are offering to those who need relief during these time but it would not help me to lower my payments if the company is still charging the late fees and the process fee it will hurt me because non of the money will be going to the balance that i owe. to me this bank is trying to keep people in debt not help them get out of it. using this time to get over on people who need help promising false promises of relief and do not keep there word and also trapping people in a whole of debt that they cant get out of and calling it help. a promise to lower a payment and the fees add up to more then the payment itself, is called highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK

Complaint:
I contacted First Bank XXXX XXXX  ) on XX/XX/XXXX  about multiple unauthorized charges on my account. The amounts totaled XXXX and were charged to my debit card. 

These amounts were disputed and I received a new debit card in the mail. However on XXXX I logged into my First Bank account and noticed that the account was closed. 

I received a phone call from my local branch indicating they refused to dispute the fraudulent transactions and that they were closing my account. 

There was no other communication in writing indicating the reason nor any supporting documentation. First Bank refusing to resolve these unauthorized charges are a violation of the agreement between the card issuer ( VISA ) and the backing bank. 

Additionally per the First Bank user agreement account holders are not responsible for transactions that are not authorized and/or fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/17- XX/XX/17 and I have NEVER been late. XXXX XXXX made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 of 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 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I have contacted XXXX XXXX XXXX several times about the inaccurate reference to a Decemeber XXXX Repossession under the payment status on my XXXX and Experian credit reports. I have sent in my title, proof of payments and receipts to show that this account was paid in full. The vehicle was not repossessed in remained in my possession until the account was paid in full in XX/XX/XXXX. Please provide help with getting XXXX XXXX to respond to correcting this issue.

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 2022-01-20
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: Cedars Business Services, LLC

Complaint:
I received an alert that a hard inquiry was made on my credit by Cedars Business Services ( XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ). I called the company and they stated the wrong month for my date of birth then told me because of that they could not provide me with any information. They said they would investigate and call me back, which they never did. I never gave this company permission to pull my credit. I have requested they remove the inquiry but they only stated they can not give me further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX : {$12000.00}

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 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2022-11-23
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: EQUIFAX, INC.

Complaint:
n accordance with the Fair Credit Reporting act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation

Complaint:
On XX/XX/XXXX I made a payment of {$490.00} to Bridgecrest auto for my car loan which I was advised by a Bridgecrest rep was the amount due to avoid a late reporting. The rep said it was for {$490.00} today. On today I received an alert stating that Bridgecrest reported my payment 30 days late. On XXXX it states that I am {$50.00} late which is inaccurate. I called Bridgecrest and asked if they could please fix the 30 days late. I had never asked for anything to be removed or updated on my report, I was told no. The 30 day delinquent has dropped my credit score significantly on one of my reports by as much as XXXX  points. I would just like to get some help with getting my reports updated to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY

Complaint:
My American Express business card has a {$20000.00} limit and is used to make almost all of my business purchases. My current APR is 13.49 % and I generally carry a balance month to month. On XX/XX/19, my statement had a notice of APR increase an additional 5 % effective XX/XX/2019. This increase would be on all future purchases, and retroactive to my ENTIRE BALANCE at the new rate of 18.49 %. 
I immediately called Amex and told them that I believed this to be in violation of the CARD Act of 2009, since I am not and have never been late in payments, and I know my credit score is well above 800 points. The customer service representative said that it was due to my credit scorXXXX and what other accounts are paying. All he could do was to file an appeal. I did appeal and somehow immediately won the appeal, so this change will not go into effect on my account. The representative assured me that American Express would not act illegally. 
How many accounts are they doing this to? Are less informed people getting duped by American Express?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report.

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well.

This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that 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