hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.

Complaint:
I signed for a student loan for my son XX/XX/2007. I made payments, principle and interest, from the onset of the loan. My son had taken over the payments and last year checked his account to see that his loans were paid I full. He had three student loans with Navient. After the first of the year, I began to get emails from Navient on an old email account that I no longer use. I ignored them because the loans had been paid in full. Then I received correspondence from them and phone calls. It was then that they indicated to me that one of his loans still had a balance over {$4000.00}. I was surprised that in 15 years, we had not paid it in full. The customer service representative I spoke with indicated that overpayments on the account went towards future payments. I did not request that overpayments be applied toward future payments. Whenever I have borrowed from a financial institution or credit card company and have made overpayments, I have always had the extra go toward the principle of the loan. I went to my Navient online account to try to see what happened. My account showed our payments from XX/XX/2007, but the spreadsheet did not include loan balances as payments were made. I made a request to Navient asking for a complete accounting spreadsheet for this loan. They have replied by letter indicating this is request would require extensive time and please narrow my request to a 24 month period. I think I am entitled to a full disclosure of payments made and how those payments were applied to the loan. If Navient did not apply overpayments toward the principle, then they have been charging us interest on monies that have already been paid. Your assistance will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
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: EQUIFAX, INC.

Complaint:
In XXXX of 2018, I submitted a dispute towards unverifiable items on my credit report, asking for proof of Original documentation of the transactions in question. I received neither proof or response in regards to any progress of reconciling and removing the improperly reported accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24
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:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor :XX/XX/XXXXAccount : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor : XXXX XXXX Account : XXXX Creditor :XX/XX/XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor :XX/XX/XXXXAccount : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor : XX/XX/XXXX XXXX XX/XX/XXXXAccount : XXXX Creditor : DEPT OF TREASU Account : XXXX Creditor : XXXX XX/XX/XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc

Complaint:
I bought a spare part for a car on XXXX with a tracking number that was delivered but I did not receive anything. I opened a dispute on XXXX, XXXX decided it in favor of the seller. I dont agree with this nonsense, since the seller is responsible for the delivery and the seller must open a dispute with the delivery company or request insurance. Then I decided to open a dispute on PayPal, since I paid with a credit card, PayPal closes the dispute in favor of the seller, referring to the tracking number that the spare part was delivered and ignoring that I indicate that I do not receive anything!!! I demand my money back. 

XXXX Item not received Closed {$430.00} USD XX/XX/2022 XX/XX/2022 2022

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-27
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: EQUIFAX, INC.

Complaint:
I checked my XXXX credit report and noticed there was 46 hard inquiries. I did contact XXXX and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted XXXX to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these 46 inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. XXXX need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that XXXX offer to their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A.

Complaint:
I received letter dated XX/XX/XXXX, related to student loan debt from XXXX, XXXX XXXX XXXX Co, XXXX. Within 30 days, or on XX/XX/XXXX. I wrote to them to let them know that I disputed the loan was past due. To date, I have not heard from them. The same date, XX/XX/XXXX, the loan was reported to XXXX  credit bureau as a collection account. 

I made several attempts and provided documentation to XXXX  to get the collection status removed as I had it removed in the past with previous debt collectors. XXXX  representative XXXX XXXX XXXX, on XX/XX/XXXX XXXX stated that they could not provide me with information on how the debt was verified and that my option to contact Customer Financial Protection Bureau. 

I would greatly appreciate your assistance in resolving this issue. I was paying the loan as agreed and fell behind because of my ongoing divorce matter. The payment sent was returned to me while I have another student loan that is current in payment with the same lender, XXXX  XXXX. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation

Complaint:
This call was from XXXX XXXX XXXX. They would not tell me what they were calling about unless I identified myself. My comment to them was " you called me, you must know my name ''. Their phone number is XXXX. My credit score is XXXX with one service and XXXX with anther. Why do you think they called me? I can answer that one - it is skip-tracing. I though that was made illegal in Texas during the last Legislative session.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Hosto & Buchan, PLLC

Complaint:
Have been trying to obtain verification of debt documentation since XXXX 2014. XXXX XXXX XXXX has not provided anything, neither has their attorney. It has been 9 months and this account si damaging my credit. There is no one to talk to regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2018-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION

Complaint:
I have an available balance in my account - i use the money - then i have an automatic draft hit my account and bring me a negative balance at which point all the transactions that i did before this will get an overdraft fee. VERY UNETHICAL

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14
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: AMERICAN EXPRESS COMPANY

Complaint:
I recently checked my credit score and found unauthorized inquiries into my credit history by American Express. The dates of the AE inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've never contacted American Express. All of this was done without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc.

Complaint:
I got a call from XXXX ( XXXX/ XXXX Claim Number XXXX ) stating that I owed them {$2700.00} from a Tv that I took out in XX/XX/2012. All my accounts have been closed with conns in good standings and paid in full. I stopped by conns they printed me where I 'm paid off with no balance due. My biggest issue is how they HAVE MY SSN, PHONE NUMBER, ADDRESS, and other other info. I called conns customer service and they stated they are not responsible for other agencies having MY PERSONAL INFO THAT I GAVE CONNS ACCESS TO. I dont know how they got my info when I paid everything in full and before contract was up. XXXX stated they can not give me more info just to make a payment which i have proof I paid it off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX / amount {$1700.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX amount {$3500.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$230.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX /amount {$3000.00} Account name : XXXXXXXX XXXX XXXXXXXX /amount XXXX XXXXXXXX PAID OFF XXXX XXXXk ( XXXX XXXX  ) /amount {$720.00} =PAID OFF XXXX, Transunion, and XXXX have 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 non-monetary relief
Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WAKEFIELD & ASSOCIATES, INC.

Complaint:
XX/XX/XXXX called Wakefield and Associates to close account with XXXX XXXX for XX/XX/XXXX bill that was originally {$2000.00}. XXXXXXXX XXXX account # XXXX XXXX not paid because original bill charges for XXXX XXXX fees and this XXXX  was never seen. 
On second visit returned to visit XXXX XXXX and never seen him but a bill was sent to me billed in his name. 

I agreed to pay a reasonable rate for reduced services {$500.00} or {$200.00} to close case and gave the customer service agent my Attorney name who originally handled case XXXX XXXX XXXX and she became belligerent and vulgar insisting on speaking abusive and said she speaks to attorneys the same. So I terminated call and attempted 3 times to call back and she hung the phone up x2 and lastly transferred me to a XXXX phone answering machine. 

I called back after 3 minutes and spoke with a customer agent who verified she was the account manager and I gave him my attorney who handled the case XXXX XXXX office number to verify my statement and concern with XXXX XXXXXXXX XXXX XXXX bill. 

Please help to resolve bad business practices from Wakefield and Associates. Also the XXXX has a portal of repeated bad practices from Wakefield and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio Recovery Cease and desist ANY and ALL claims you claim you have on me under15 U.S.C. 1692cc and 15U.S.C.1692 e { XXXX } cease communications of ALL collection and debt information that you have, to any body or company other than my self by mail only this is an official notices

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.

Complaint:
Could not utilize The Public Service Loan Forgiveness ( PSLF ) Program because I made to many loan payments and would need to restart my loan payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
For the past year i have been contacting TransUnion about 4 accounts they continue to report in my credit history that do not belong to me. Whenever i call i am transferred to another department but no one answers i am forced to leave a message, i never get a call back. I have been dealing with this like i said for about a year-its very frustrating. Transunion File Number 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 2022-03-26
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 accounts do not belong to me, please block and remove per 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.

Complaint:
Received email alert from XXXX XXXX of a collection on my credit record on XX/XX/XXXX. Filed Request for Credit Report with XXXX XXXX and XXXX credit reporting agencies. Reviewed all 3 credit report agency reports and found the following discrepancies : 1. Collection of {$370.00} were reported on XX/XX/XXXX with XXXX, XXXX and XXXX 2. XXXX and XXXX also report an incorrect past contact or address Disputes were filed online with XXXX  XXXX and XXXX An EOB from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$370.00} was received by me that stated Amount You May Owe Provider : {$0.00} soon after the date of service. No other communications of any kind from any person or organization were received by me nor my husband regarding this visit at any time until I received the email from XXXX XXXX mentioned above on XX/XX/XXXX. As a further note, it should be known that I am the Step-mom and have carried the minor on my policy with XXXX XXXX XXXX XXXX since XX/XX/XXXX as he was a minor child and other medical insurances were either unavailable or unaffordable and they continue to be. XXXX has removed the collection from my XXXX credit report. XXXX and XXXX will not remove this derogatory mark even though I was never informed of any debt what-so-ever. XXXX and XXXX state this collection will reside on my report for the next 7 to 10 years. PERSONAL STATEMENT : I have been successful in paying all my bills, on time, always. My credit WAS excellent, and Im not fussing over a {$370.00} bill. I WANT TO KNOW How can someone out of the blue just throw something on your credit report without even making an attempt to contact you? Is this legal? As of this time and date ( XXXX ADT, XX/XX/XXXX ) no person has contacted me, by any form of communication, regarding the debt I mentioned above. I feel it is unfair and should be unlawful that any person or organization should have the ability to file negative or incorrect information against anyone 's credit report without first providing them the information and/or opportunity to review/dispute/settle under normal circumstances regardless of whether they owe the debt or not.

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 2021-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I recently tried to dispute my delinquent payments on my credit file due to my XXXX. During the time of the aforesaid hardship i was XXXX XXXX  and XXXX  and was unable to make a payment because my accounts did not have autopay setup. I submitted a signed letter from the physician illustrating that i was XXXX  for the time period in question. I also submitted a letter from the nurse who was assigned to my case that supports everything the physician is stating. I got my dispute results back and they denied my request to remove the late payments. I let them know that i was only late because of my XXXX  and would have not been late if i wasn't XXXX. I tried to dispute the late payments again because i recently got a eviction notice from my current residence. I pleaded with the credit bureaus to remove the late payments because i applied to 10 different apartments in the area with cheaper rent and got denied from every single one of them due to the late payments. I notified them that i will become homeless if the late payments are not removed and i also asked for the investigation to be done promptly because i need to find somewhere to live ASAP. Its been 2 weeks after i sent the notarized letter to the bureaus that gave them 15 days to reply ( 4 weeks in total ). When i pulled my credit file i noticed that their are some inaccuracies on my credit file. Some credit bureaus are reporting the account as delinquent for one month and the other credit bureau is reporting it as in good standing for that same month. This is affecting my ability to find a new apartment or qualify for credit. I would like for my delinquent payments to be removed because i showed them evidence that i was XXXX  and explained to them that i wouldn't have missed the payments if i wasnt XXXX. I will become homeless if something isn't done and im trying my hardest for my nightmare to not come to pass. Please help because the credit bureaus are not emphatic to my situation.

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 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:
There is inaccurate information reporting on my credit report i am requesting investigation on, however, the credit bureaus have failed to respond in over 60 days.

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