hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2022-10-22
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: AES/PHEAA
State: MA

Complaint:
Hello, I am a XXXX  employee and I have been in the XXXX  on and off since XXXX. I have two issues : -Missing XXXX  count information -Outdate loan balance and lower credit score as my payments have not been applied to my account. 

The parties that are causing the issue : XXXXFEDLOAN -XXXX  -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) Actions I have taken since XXXX : -Contact both XXXX and XXXX XXXX via XXXX, in person, and email to fill out the XXXX  form to get the months from XXXX XXXX XXXX added to my count for XXXX  employment. Both parties have failed to respond XXXXWork with Fedloan and now XXXX to resolve the issue. 

I have submitted the following to FEDLOAN : -PSLF forms indicating that the Agencies failed to fill out the forms -Emails -My XXXX  of XXXX XXXX XXXX XXXX employment record -XXXX XXXX Waiver Fedloan has giving me multiple excuses and now says XXXX is responsible. XXXX says they are still processing but the they do not have any records of forms or information for those months. 

On top of that my employer XXXX XXXX XXXX for XXXX XXXX ( XXXX ) has been making payments on my behalf. And since XX/XX/XXXX, those payments have not been added to my account and the old balance is still on my credit report, impacting me from shopping for a mortgage. The however, has been taken out of the account and I am paying taxes on these payments. XXXX has confirmed with my employer of receiving a payment in XXXX but the payment has not been added to my account. 

This is emotional draining because I always wanted to be a XXXX  XXXX  and went to XXXX  school because I kept being rejected. Now I am trying to use the resources recruiters told me about and it is hindering me from moving on with my life. 

I can't provide the emails as they went sent via my work email and the Fedloan XXXX is missing my documents. 

Please advise and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 explanation
Consumer complaint received 2021-05-30
Product: Debt collection 
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint:
I have asked Midland to validate this debt as mine and they have not sent anything saying I agree to pay this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship
Company: Affirm Holdings, Inc
State: OH
Tags: Servicemember

Complaint:
Affirm has yet to fix their issues when it comes to applying for hardships. Everything still times out. Were now in XXXX and theyre still having issues and have yet to rectify anything. 
On top of this I get an insane amount of phone calls everyday from Affirm about past due loans that they know I am facing a financial hardship and can not pay right now.

I was deceived into trying to apply for hardship by several employees and when I brought up the time out issues it took them over 2-3 weeks to tell me I dont qualify even though I was never able to get an application through.

And as of 6 weeks ago people were getting triple and quadruple charged on their accounts, thankfully I removed my banking information before this happened because this would have been absolutely detrimental to my family.

Ive had over 30 phone calls from spoofed numbers from Affirm in the last week or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH

Complaint:
This debt was sold to the creditor from a different company. I did not go into contract with portfolio recovery and they are unable to produce paperwork stating that I have a contract with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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: CA

Complaint:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates 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 2020-08-14
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: Experian Information Solutions Inc.
State: NY

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

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 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
Attached you will find a list of items that I did not consent to. So that would be Idenity Theft, I did not give no one Permission to furnish anything on my Consumer report. And the following Credit Reporting Agencies are also Violating my Right to Privacy, XXXX, XXXX and TRANSUNION.

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 2019-09-05
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Kramer & Frank, P.C.
State: KS

Complaint:
Kramer and Frank XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX I had an account sent to collections to be managed by K & F. In my several attempts to reach customer service and their office manager, I left MANY voice and emails which went unanswered for days. Finally, upon reaching the office manager, XXXX XXXX, on XX/XX/XXXX, I was able ( after several attempts ) to make a payment via a direct debit from my checking account which satisfied the entire debt ( {$3600.00} ) and effectively closed my account with K & F. I received both verbal and written confirmation of this from K & F. However, on XX/XX/XXXX, K & F garnished my paycheck ( {$530.00} ) AFTER my account was satisfactorily closed. Upon dozens of attempts to call, leave voice mails, and emails for customer service and the office manager, XXXX XXXX, to receive a refund of the money they now owe me, not a single phone call or email was returned to me. It has now been over 14 business days/three weeks after my account was satisfactorily closed and K & F illegally garnished my paycheck, I still have not received any form of communication from any individual or employee of K & F to address the refund owed me. This absolute lack of customer service and communication is unacceptable. They seem to be available at best sporadically to take money owed to them, and they are available NOT AT ALL to refund money they owe to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-26
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: NY

Complaint:
I XXXX 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. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-27
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: NC

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 

Account # 's XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2020-08-18
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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint:
The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. XXXX is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. XXXX is reporting the same as XXXX, and XXXX is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint:
In accordance with the fair credit Reporting act XXXX Account # 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 any open end consumer credit plan as late for any purpose.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Capital Accounts, LLC
State: NY
Tags: Servicemember

Complaint:
I have made payments to Capital Accounts in the amount of XXXX ( receipts attached ) for a dental bill that XXXX XXXX XXXX has turned over to Capital Accounts. The original bill is XXXX. The original letter from Capital Accounts stated I owed XXXX with interest charged to the XXXX. After paying the XXXX a balance of XXXX remaining. Today I called Capital Accounts to offer them XXXX to close the account. The representative refused and also stated my balance is over XXXX. I asked to speak with a supervisor or manager. The Representative stated that he was the supervisor and they do not settle accounts. Capital Accounts is charging an extreme amount in interest keeping me hostage to a debt already paid. 
Originally XXXX XXXX was never owed this money, because they did not complete the work leaving me to seek another dentist ( XXXX XXXX ) completed the work ( both original bills are attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report
Company: Factor Trust
State: TN

Complaint:
Information used to verify identity over the phone is outdated, misleading, and an effort to discourage and deny a copy of my consumer report that I am entitled to. 

Specifically asking trick questions of what neighborhood I lived in 25 years ago and that is no longer on my report. The options were XXXX XXXX instead of XXXX XXXX causing me to fail that question. 

Asking the specific amount of a current loan that was financed within hundreds of dollars apart making it difficult to say with out having a credit report in front of me causing me to fail that one. 

Asking about a county I lived in in 1989 ... 30 years ago Who do I know that lives in a city I have never heard of. 

This outdated, misleading, and trick questioning is unreasonable and causes an undue burden. This is considered to be done willingly and with malice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Product: Debt collection 
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IL

Complaint:
The following attorney group has been making consistent false attempts to collect a credit card debt for the following, ( XXXX XXXX XXXX, XXXX ) which is no longer due/relevant. The amount they are attempting to collect by harassing false letters and phone calls is past The statute of limitations in Illinois. 
This firm has been contracted several times before by your Consumer Financial Protection Burea,  but yet they continue to harras me by mail and phone. 
Please assist me in this matter and make this firm stop harassing me, please. 

Blitt and Gaines/Attorney at Law XXXX XXXX XXXX XXXX, IL. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting 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: FL

Complaint:
Upon reviewing my consumer report on XX/XX/2023 XXXX noticed inquiries and wrong addresses on my consumer report. I filled out an FTC report explaining what happened and when I noticed these inquiries.I also noticed XXXX open installment accounts reporting. I contacted XXXX, XXXX, and Equifax to notify them of the fraudulent activities. I also asked to place a fraud alert on my consumer report. I also contacted the creditors and the creditors told me to contact the credit report agencies to notify them. I have attached my consumer report including my FTC report and my passport as my identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
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: EQUIFAX, INC.
State: TX

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this, day over 70 days later I have not received a response yet. I feel like I am being taken advantage of and ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint:
My credit report is still showing late payment on XXXX XXXX XXXX account despite the previous appeals I sent. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. Please UPDATE the account.

Company response to consumer: In progress
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc.
State: NJ

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 explanation