hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2015-09-02
Product: Student loan 
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint:
My husband graduated during the recession, had to defer for a few years because the job he got for his career could not afford the payments Navient/XXXX XXXX was saying he needed to pay. Went to grad school and graduated in XXXX 2015 and had to start making payment on the undergrad student loans, first payment being XXXX 2015. Filled out paperwork that rep said we qualified for a program to lessen the amount we had to pay monthly from {$1200.00} to {$850.00}. Called to set it all up and they said the new amount would be {$900.00}. This is half of his annual salary and is no way we can afford that. They have not been returning phone calls or willing ot work with us and have a lesser monthly payment. We want to make these payments but they are causing a lot of financial hardship because they are not being flexible. We need help with the monthly payments and they wo n't ever help us or give us a rep that who knows what they are talking about and being very unforgiving even though we want to make payments that are affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: AZ
Tags: Servicemember

Complaint:
I've tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX  XXXX  XXXX, XXXX, XXXX XXXX, AND the Credit bureau itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months.

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 2022-09-14
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: EQUIFAX, INC.
State: NY

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : 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 2020-09-16
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint:
company reported a 30 day late on my account in XX/XX/XXXX during the pandemic in error, they did apologize for the mistake and fixed my 3 credit bureaus, but today XX/XX/XXXX i logged into my account and they changed my account credit limit from {$5900.00} to {$750.00}! Even though they recognized they messed up and cleared it, they reduced my credit limit as if I was a delinquent client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
N accordance with the Fair Credit reporting Act of 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 604A. It also states a consumer 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 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc
State: SC

Complaint:
on XX/XX/2021 I got an online insurance quote through XXXX XXXX it showed a violation from XX/XX/2021 with the number XXXX to call if you needed more info I did she then gave me XXXX that was a recorded message with instructions how to request your report. The web address given was XXXX then additional instructions on which tab to click on. Here 's the problem that web address redirects you to the employment verification or sales department. I tried the online chat to tell them I left 3 voicemails. the web address you have here on your consumer website has the exact link that redirects you. You can not request your personal driving or violations report with this web link address. Therefore you can not get your report to verify or object to the claims on said report. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXX XXXX 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 2023-03-31
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA
Tags: Older American

Complaint:
Got a phone call from XXXX, claiming to be Chase bank. 
Told me that they had been monitoring my credit report ( I don't have a Chase account, so they should not be able to check my credit report ) and wanted to offer me a credit card. I stopped the call at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
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: SC

Complaint:
XXXX, EQUIFAX, AND XXXX ALL RESPONDED TO MY REQUEST TO VALIDATE AND VERIFY CERTAIN ACCOUNTS ON MY CREDIT REPORT TO MAKE SURE THEY WERE 100 PERCENT ACCURATE. XXXX RESPONDED ON XX/XX/2022, EQUIFAX RESPONDED ON XX/XX/2022 AND XXXX RESPONDED ON XX/XX/2022. ALL 3 CREDIT BUREAUS STATED THAT THE ACCOUNTS WERE INVESTIGATED, VERIFIED, AND 100 PERCENT ACCURATE. 

BUT HOW IS THIS POSSIBLE IF THE ACCOUNTS HAVE DIFFERENT OPEN DATES WHICH ARE ALL INCORRECT, THE DATE LAST ACTIVE IS INCORRECT AND THE DATE LAST REPORTED IS INCORRECT? THIS IS GROUNDS FOR REMOVAL BECAUSE IT IS PROOF THAT AN INVESTIGATION WAS NOT CONDUCTED PROPERLY AND THE INFORMATION IS NOT 100 PERCENT ACCURATE PER THE LAW. 

THEY HAVE ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 604 A SECTION 2 : WHICH CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

I HAVEN'T GIVEN THESE COMPANIES WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL. 

THE FOLLOWING ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : XXXX : XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( EQUIFAX ) AND ACCOUNT # XXXX. ( REPORTED TO DIFFERENT ACCOUNT NUMBERS ) I HAVE ALSO ATTACHED PICTURES OF MY CURRENT CREDIT REPORT SUPPORTING MY CLAIM AGAINST THESE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem
Company: GOLDMAN SACHS BANK USA
State: IN
Tags: Older American

Complaint:
Goldman Sach 's is stating that they never received the payment on the credit card which is more than enough to pay off the balance.

I am not able to get this resolved.

I have enclosed proof of the cancelled check.

Thank You! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint:
To whom it may concern, Several months ago, I checked my credit to find that XXXX and Experian ( henceforth known as defendants ) : were reporting inaccurate information on my credit report, which puts them in violation of federal law FCRA 609. 611 and 15 U, S, C, 1692-1692p I'm requesting the CFPB office to investigate this matter to bring charges against the defendants for there violations of the Law based on the following facts : On XX/XX/2022 I sent a notarized, certified letter with a return receipt ) to defendants requesting to verify the incorrect information that is being reported by doing the following according to FCRA 609 : I. send me the copy of the originals contracts bearing my signature for each account listed ( see letter One ) 2.send me any and all other information or evidence you have on files pertaining to the accounts listed ( see letter one in attachments ) 3. Name, address. phone number and mailing address for each person involved in this investigation, The defendants had 30 day to provide this information by law On XX/XX/2022 I sent my second letter asking for the same information certified with return receipt ( see second letter attached ) defendants had 15 days to respond and provide me with my requested information by law On XXXX I sent my third letter certified with return receipt to defendants ( see attachment ) as of this letter defendants have failed to comply with the law In conclusion the defendants must provide me with everything i requested above or at least an explanation as to why they can not send or show you the evidence, As a result of defendant 's inaccurate reporting, I have been denied credit opportunities Relief sought : that defendants remove all information that they have not sent me the information i requested and all other inaccurate reported accounts and that that the attorney General office file charges on defendants for them being in violation of the FCRA XXXX 

If you need the return receipts I will send them upon request Thanking you in advance 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 explanation
Consumer complaint received 2023-01-08
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: AL

Complaint:
XXXXXXXX XXXX XXXX  have not reported that rental amount that I owed as paid on my credit report. This was paid by Alabama rental assistance. I have documentation to show as proof. This was paid in 2021 in two installments first amongst was {$1500.00} and the second amount for {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
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: LA

Complaint:
XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Dear XXXX XXXX/ Equifax : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; Equifax has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted XXXX/ XXXX XX/XX/XXXX. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
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: BBVA FINANCIAL CORPORATION
State: TX

Complaint:
I am a victim of identity theft and have had my information compromised several times. I have submitted documentation to compass bank and XXXX XXXX credit card several times pertaining to fraud on my bank account and credit cards to which I have not received any phone calls or assistance in resolving. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was compromised as well as in XX/XX/XXXX and XX/XX/XXXX. I have completed a police report in reference to said incident in which someone gained access to my XXXX XXXX account and processed a fraudulent transaction. This has caused many issues with my checking account in which the bank acknowledge and funds were released to said creditors. Compass bank has failed act reasonably to aid in this issue and closed my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint:
remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief for damaging my score and getting denied opening bank account

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 2021-09-02
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: Experian Information Solutions Inc.
State: GA

Complaint:
In reference to the listed accounts : XXXX  XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
I requested the Description of the investigation into these accounts on XXXX. According to section 611 ( A ) ( 7 ), XXXX  was required to provide this information within 15 days of requested. They have not done so and is violating my rights to obtain a Description of their investigation. I have tried several times to get this information and they seems to refuse to provide it.

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 2022-08-17
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: FL

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Product: Debt collection 
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: IL

Complaint:
Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of tribute XXXX ( compu credit ) by XXXX party collections is prohibited. I have sent this documentation and a request for removal per this ruling to XXXX XXXX XXXX. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2018-05-02
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint:
IQ Data continues to call regarding a debt that is in a legal dispute. They also placed the debt on my credit as a collection even though they are aware the amount and matter is a legal matter.. They continue to call me after I advised them this is a legal issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Product: Student loan 
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint:
Around approx XXXX I consolidated all of my student loans. I started having financial problems and became delinquent and in XXXX filed for bankruptcy. Through my entire bankruptcy, I was not contacted. After my bankruptcy was finalized in XXXX, I was excited to be able to reclaim my credit. I immediately called the XXXX Student Loan XXXX and set up my payments at the full amount of XXXX}. I started paying on time and then lost my job in XXXX of XXXX. I requested and was granted the deferment. I knew that I would restart the payments when I got a new job. Just a XXXX or XXXX later I started receiving calls saying that I owed for my student loans. I told them that I had just been granted a deferment and they said that they did n't do deferments. I was confused and asked more questions and found out that there had been a private student loan that was not consolidated in my payments and the company who identified themselves at XXXX XXXX XXXX and by XXXX. I told them that I did n't understand and that all my loans had been consolidated. They assured me that they had n't and that I would have to pay the entire balance immediately, which was somewhere around XXXX. I told them there was no way because I had just lost my job. They called me every day for the next few days. They finally said that if I made a good faith payment that they could stop calling me for a month. I made the payment over the phone while I was driving to a job interview. I have not been answering their calls anymore. I need help finding out if this loan is my loan and if it is possible to add it into the consolidation that I have with my other loans. Could you please help? I lost my job on XXXX of this past week and am again looking for a new position. The XXXX of not having a job just adds to the collection phone calls. Since my bankruptcy, I have been able to pay all of my bills except this XXXX and I have been able to maintain rebuilding my good credit. This worries me that it 's going to set my credit record back again, just when I was beginning to see progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: TX

Complaint:
In accordance to the fair credit reporting act XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.

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 2022-07-01
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: NC
Tags: Servicemember

Complaint:
In 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

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