hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2023-02-06
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: MA

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-08-14
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint:
APPLICATION ID : XXXX On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e . 
Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. 
Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 

I have attached links to congressional law for reference. 
https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Bridgecrest Acceptance Corporation
State: CA

Complaint:
Ive been making payments towards my car loan. Recently my co signer declared bankruptcy and my loan company stopped reporting my payments to the credit bureaus. So Im making payments and they are not reporting them. I will keep filing complaints until this is back on my credit report. I spoke with a lawyer and what their doing is illegal according to him. If I have to take further legal action I will. I want my payments and history being reported. I am the buyer and the one making these payments they need to report that.

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 2022-04-19
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint:
I made a larger payment against a bank of america mastercard from my bank of america checking account on Friday XX/XX/XXXX for {$1100.00}. Leaving Tuesday on a trip. No where on the bank website does it state that the payment will be held for 7 days. I am leaving on a trip on XX/XX/XXXX and was told today after waiting on hold for 47 minutes on their customer service line that there was nothing the manager could do to release the hold. The irony is that this is also a secure credit card with a savings account to back it. The manager gave no explanation of why 7 days. After all it was drafted from a bank of America checking account and posted against the available balance on XX/XX/XXXX. I am now being told that the funds are being held until Friday XX/XX/XXXX. The bank is illegally holding my funds to earn interest without explanation. I want the funds released immediately.

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 2017-01-23
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan
Company: Navient Solutions, LLC.
State: ME

Complaint:
I had filed for deferment on my loan i was asked to place in forbearance until the deferment went through. I was told it was good for 2 years only to find out that i had to renew after a year. I sent all the paperwork back in and never heard anything back i was receiving statement showing payment amount {$0.00} untill a week or so ago i got a letter ststing it was past due and I owed {$280.00} payment due. I went online to see what was going on my loan is no longer in deferment i resubmitted. Then I called navient to see if i needed to do anything else they then instructed me to place in forbearance until deferment is approved. I was hesitant and asked isnt that what the lawsuit is about. She told me it would be delinquent if i didnt place in forberance and my deferment would be denied if i did n't. So i told her ok and did the forbearance for 1 month. I then checked my credit report and it shows my loan from XXXX XXXX was charged off deliquent for both loans even though i consolidated a couple years ago as instructed by navient when they took over because it would be easier for me. not that it was in deferment. I tried finding my documents on their website but i csnt find anything i submitted i dont have hard copies i signed and returned all document 's sent to me. They had my old address on file even though the past 2 years ive been receiving information at my current address. I trusted them i assumed because it was a federal student loan with department of education it was a government agency. I did n't think they would stear me wrong. Over the years ive had {$520.00} added in interest when i though it was in deferment for economic hardship. Also when looking at my email i was sent 20+ emails from navient asking me to reply yes to email to place loan im forberance. I went to XXXX school not i guess they are called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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: EQUIFAX, INC.
State: OH

Complaint:
I AM SUBMITTING A COMPLAINT REGARDING MY XXXX XXXX XXXX XXXX ACCOUNT WITH A XXXX LATE PAYMENT REPORTING. I DO NOT RECALL BEING LATE AS MY PAYMENTS ARE MADE ON TIME AND ACCORDING TO MY RESEARCH ON LATE PAYMENTS, DUE TO COVID 19 & THE HEROS ACT LAW, THESE XXXX LATE PAYMENTS SHOULD HAVE NOT BEEN REPORTS AND I ASK THAT THEY BE REMOVED EXPEDITIOUSLY. THE XXXX LATE PAYMENTS ARE FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022. I RECEIVED ACCOMMODATIONS BECAUSE OF THE ERRORS AND SINCE I HAVE BEEN GIVEN ACCOMMODATIONS THAT TOO IS A REASON THESE FALSE LATE PAYMENTS SHOULD BE REMOVED. THIS IS DAMAGING MY CREDIT REPUTATION AND I AM BEING DENIED CREDIT BECAUSE OF THESE MISTAKES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint:
This company National Revovery Agency is trying to collect a debt that they claim that I oue them in the amount of XXXX and are reporting such debt to my credit reports, also the debt they they say I oue them is not legally collectible because the statute of limitations on this claimed debt has expired in my state of Florida, I called them and spoke with them back in XXXX and they told me that they can still collect on this so called debt I oue them and report it still on my credit reports even past the legal statute of limitation for collection efforts I dont know this company and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. And according to 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, Ive never given them consent to that nor have I ever done business with this company

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 2020-05-04
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: Experian Information Solutions Inc.
State: TX

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-07-13
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: EQUIFAX, INC.
State: FL

Complaint:
I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of XXXX without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX on, XXXX, almost XXXX  and attempted XXXX multiple times, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. 

I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
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: FL

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint:
in Late XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX, I was unemployed in XXXX and XX/XX/XXXX, and I was out of the country for XXXX XXXX XXXX. This is the reason I wasn't able to make the payment on time. As seen in my credit report record, I haven't had any other, more than 30 days, late payment on my account and it is currently up to date. I have tried to contact Wells Fargo and explained to them that due to COVID and my financial situation remove and fix the late payment due to the above situations without receiving any type of help from their end. ( COVID relief ) Currently, I am financially stable and this is affecting a lot of my credit report, therefore, affecting my credit situation severely.

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 2018-01-03
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint:
I currently work at the XXXX XXXX XXXX XXXX and have about $ 70k in debt from the XXXX I competed at XXXX.I 'm dealing with the XXXX XXXX regarding Public Service Loan Forgiveness and have run into a lot of inefficiency and confusion.I had been putting off filling out the PSLF Certification Form with the good faith that my organization and loan payment plans were  eligible per the program stipulations. The provided information makes the program seem very straightforward and implies that the certification form is n't really needed until you switch jobs. As I had n't planned to leave my organization ; I did n't fill out the form for over 3 years while I made monthly payments. As soon as there was some discussion about cutting the program, I decided to get my ducks in a row before that happened, should the program be reinstated at a later time. The first response I received indicated that XXXX was not an eligible organization. This was a huge shock as XXXX is a XXXX year old XXXX well-respected XXXX XXXX XXXX. My HR director assured me that other employees had received confirmations that XXXX is indeed eligible and that this must have been some sort of clerical error. Indeed it was, as I resubmitted the the certification form with the same information as the first form, but received a response that XXXX is indeed eligible. I was then informed that I had only made one eligible loan payment in almost 4 years of regular payments. I have been trying to rectify this for months as I applied for an eligible repayment plan and when I was put on that new repayment plan, XXXX in no way indicated that the kind of plan was different from what I had applied for. I had one phone call with a customer service rep where she supposedly put a " tracker '' on my account to review my previous payments and that this process may take a few months. I believe this was some sort of stalling technique.I called XXXX again and was told there was no way to review previous payments and that I would have to restart a new payment plan now. This would put me almost 4 years behind schedule for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: AL

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2023-06-29
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: Experian Information Solutions Inc.
State: GA

Complaint:
I asked the credit bureaus to verify my credit and they stated that everything was accurate. However, it is not. I did a thorough search myself and found inaccuracies on my credit report even after they did their careful research. 

XXXX XXXX - XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX I also my name and addresses are not correct on any of the credit reports. 

My name and address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My work name is also incorrect. My correct work name and address is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI 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