hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL

Complaint:
Paid off Amazon card and it has been closed and for over 6 months Ive continued paying and I just noticed that the balance is always different. Im beginning to think this is fraudulent.

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 2015-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Baxter Bailey & Associates

Complaint:
this person attempted to collect an unpaid bill from XXXX of our vendors. during conversations, we made arrangements with the vendor directly. they accepted our arrangement and now we are being threatened and harassed everyday by this person. he is also calling our other vendors and harassing them. we have explained to him we have settled this with our vendor and they still are harassing us and our other vendors which is now disrupting our business.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.

Complaint:
I was given graduate loans from XX/XX/XXXX-XX/XX/XXXX for approximately {$160000.00}. Over this time approximately {$20000.00} worth of interest accrued on these loans. These loans were by manged by nelnet. 

After completing my graduate program, I was enrolled in a residency program for 2 years. I had done some research and understood that there is a 6 month grace period after which interest is capitalized. Deferment of loans would extend this grace period and thus interest would not be capitalized. Thus my game plan became to pay down as much of the accrued interest during my residency years so that after the deferment period was over there would be less interest to capitalize thus saving me money. 

I called up my various loan companies and reviewed the matter with them. My Health Professional loans simply told me that I needed to submit a form that I was in residency, have it approved by my program and the repayment status would be deferred until I finish my residency program. This process worked flawlessly with tem. 

However, the same is not true with nelnet. I called nelnet with the same request and spoke to many representatives and supervisors. Many didn't understand what a residency program is and sent me various forms. They sent deferment forms and when I filled it out told me it was the wrong form. I explained that my goal was to pay down as much of the interest before it capitalized, but they didn't understand. The interest capitalized and my game plan did not come through fruition. At one point one of the representatives put an administrative forbearance on my account as she thought I was complaining about not being able to make payments. This in turn triggered ANOTHER occurrence where the accrued interest capitalized. Overall I ended up owing more than should have been because I was not given the proper guidance by the nelnet team. 

After my residency program I worked hard to refinance these loans. I did refinance a large portion of my loans held by nelnet. I did not like the service or information I was given by them. They misled me in many ways, and did not take the time to fully understand the situation. records will show that I called them multiple times from XX/XX/XXXX-XX/XX/XXXX. I have emails of all the forms that they requested as were sent and then rejected by nelnet from the same period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc.

Complaint:
If any amount over {$1.00} is owed to the consumer, it must be returned, without exception. This is stated in the relevant regulation, 12 CFR 1026.21, which falls under 12 CFR Part 1026 ( Regulation Z ) that protects consumers in credit transactions. According to the law, the creditor must take the following actions : A ) credit the credit balance amount to the consumer 's account, B ) refund any remaining credit balance upon the consumer 's request, and C ) make a good faith effort to refund any credit balance remaining in the account for more than six months by cash, check, or money order, except in cases where the consumer 's current location is unknown and can not be traced through their last known address or telephone.

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 2019-07-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.

Complaint:
Several attempts have been made to resolve this issue, BEFORE It became a collection issue. I attended XXXX on-line, until I became XXXX. Because I knew I had obligation, I called and requested info for how to resolve the loan. I was turned over to collections, I called again to resolve. I submitted documents I was advised. I was denied. I called again and was again advised to submit different/more documents. I obliged. this continues on this back and forth and continued submission of the requested info, only to be informed I did not submit the correct information. Garnishment has now  since began against my XXXX benefits. Also, keep in mind I have also been informed, if I was able to return to school, any school, I would not be able to transfer any credits accumulated while at XXXX. I called again to Nelnet to check status of my application, and again advised, of different info will need to be submitted. I am truly starting to feel scammed. How am I responsible for a school loan, for an education I am unable to use, and how can I be a responsible adult if I am repeatedly receiving inaccurate information that is critical to resolving my issue? I have escalated to Nelnet, XXXX, and XXXX XXXX, No one can help me. I am done submitting all of my personal information. I have proven I am XXXX at this point. Im also questioning, how am I responsible for a loan for education I can not use?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
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:
There are XXXX accounts on my credit report that do not belong to me now I have gone thru the bureaus and the furnishers I have been sending them multiple letters and phone calls regarding this how is this on my credit report if it's not mine I need this taken care of ASAP!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX I Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.

Complaint:
My Identity was compromised because of the Equifax Breach. 
Charges were made to an existing account ( I closed it ), a new credit card was established ( I notified XXXX ), a XXXX Cellphone service was established ( I contacted XXXX immediately ), and my mailing address was moved via the United States Postal Service. 
" THEY '' have all my information including my Social Security information. 
THE USPS has yet to resume mail delivery or give me definitive answers as to when and if my mail was recovered/will resume. I notified them as soon as I received the notice from the USPS stating it had been moved on XXXX/XXXX/XXXX and the notice they sent me was XXXX/XXXX/XXXX. Equifax was supposed to freeze and place alerts on all three credit services. It does not appear that this was done. 
Equifax and the USPS has been a nightmare. No one gives you definitive answers and the USPS has  the fraudulent address and even though I contacted the Inspector General 's office, the local police where the mail is going ( I only know the town and state ) no one is acting upon it. The US Inspector 's office brushed it off and the local police has not returned SEVERAL calls and emails. 
EQUIFAX is the source and they are impossible to work with. I tried to find CORPORATE telephone numbers and it is impossible. 
It is too bad they DID NOT protect our information as well as they are PROTECTING THEIR CORPORATE EXECUTIVES contact information. 
This is a disgrace. Both the United States Postal Service and EQUIFAX needs to be held accountable and consumers need to know how destructive this breach is to a person. Please contact me and publish this email. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
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:
Submitted a dispute to Transunion on XX/XX/2023 to dispute a student loan listed on my credit report. The investigation results were verified, however, this account is not mine. Also added some historical trend data with many late payments. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a Transunion employee , recommended I submit a claim with the FTC and provide this information to them.

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 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I filed numerous disputes with TransUnion credit to fix the reported amounts on my credit report that where hindering me from obtaining a good credit score but they continue to report incorrect amount and drop my score all together. Accounts like my car payments and a old collection which was paided in full is still reported even after showing proof of closed and paid in full. I believe that they discriminate against people of XXXX XXXX consumers in reporting credit.

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 2017-11-23
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:
sent po report to equifax, XXXX, and XXXX XXXX XXXX, XXXX and XXXX XXXX id theft victim sent everything to the major credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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: JPMORGAN CHASE & CO.

Complaint:
I was charged two transactions on my Amazon chase Visa card in XX/XX/2021. I contacted chase they issued a new credit card. They said they would remove the fraudulent transactions off my bill. I have contacted their fraud department over 20 times. They have conducted 4 investigations and told me I was responsible for one of the fraud transactions. {$1600.00}. I talked to numerous managers with no help. The charge is still on my card. Interest for over 8 months. I gave them all the evidence they asked for and they still say I owe the money. I have an email from a manager at XXXX stating these 2 transactions on XXXX XXXX were flagged as fraud and never delivered. I sent chase a copy of the email. I also sent them a screenshot of my order history and I have no orders or deliveries on that date. I am up against a wall. I have XXXX kids. I really need help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP

Complaint:
A full payment was made but I only wanted the regular monthly payment! I called and said I could not afford that! They refused to reverse the debit payment! So I called my bank and opened a dispute then they credited the money and only took the monthly payment out to them! Then I just received a letter I lost the dispute and it will be pulled back out on XX/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 explanation
Consumer complaint received 2018-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation

Complaint:
Was adv by cfpb a few months back that this reporting would be removed in 60 days if communication was not heard from the original company. I have not received any type of communication mail or phone from this company and has never heard of them before or after the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
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: Experian Information Solutions Inc.

Complaint:
I would like these items removed from my credit reports because I am a victim of identity theft.I noticed several inquires on my credit report that I did not authorize. 

Inquiry # 1 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 2 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 3 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 4 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 5 XXXX  DATE : XX/XX/XXXX Inquiry # 6 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 7 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 8 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 9 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 10 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 11 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 12 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 13 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 14 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 15 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 16 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 17 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 18 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 19 XXXX DATE : XX/XX/XXXX Inquiry # 20 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 21 XXXX XXXX   DATE : XX/XX/XXXX INQUIRY # 22 XXXX XXXX XX/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 explanation
Consumer complaint received 2022-01-20
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: Santander Consumer USA Holdings Inc.

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( SANTANDER CONSUMER USA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc

Complaint:
Checkr background check wrong drivers license number and in able to change it or status

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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: AMERICAN EXPRESS COMPANY

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance Corp.

Complaint:
XX/XX/XXXX Purchased vehicle for XXXX, at interest rate of 19.35 % with sub-prime lender XXXX XXXX, located in XXXX Texas, Promised by finance officer that we would be able tor refinance, however actual value of vehicle was never the amount that was listed, and due to several mechanical issues, and failure with engine, it made it impossible to refinance this vehicle. 

Requested assistance XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no options made available by XXXX and was told I would have to complete 72 payments on original contract and there is no reprieve that can be provided, even based on the current value of vehicle. 

Current vehicle is worth less than the settlement offer, they have received total payments in the amount of XXXX well exceeding the amount of the loan originally financed, and am hoping they will take the little amount I have and settle on this debt so i can move on with my life. 

This is a predatory loan, with no exit. Refinance, is impossible as it would require the difference of what is owed on this underwater XXXX. I have done my best to comply with the awful interest on this loan, despite now being qualified for better financing, and a better rate on a brand new vehicle, however the purchase of this vehicle and terrible interest haunt me.

Company response to consumer: Closed with explanation