hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-09
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 checked my credit report today and I noticed that it says my student loan balance is {$220000.00} and that is incorrect. My balance according XXXX is actually {$190000.00}. I am being overcharged on my credit report which is affecting me negatively.

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 2022-09-08
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: Experian Information Solutions Inc.

Complaint:
I have sent multiple dispute letters to the bureaus to have these accounts removed from my credit profile : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX I have not received any verification of debt or reply. Company violated the cease and desist by reporting any proof of debt or signed document by me that validates the debt and it's been over 90 days. Laws in 15 USC 1692 have been violated by the company 's actions and I request you to remove these negative accounts from all bureaus IMMEDIATELY! I will be looking to file an suit and complaints with FTC because my rights and livelihood has been affected by their actions.

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 2018-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL

Complaint:
I opened a XXXX XXXX credit card which is banked with synchronie bank. They stopped my card without mailing me any explanation. I called them 3-4 times they said they mailed me a package for me ti fill it out and send it bank. but I never received that package. Because of them my other credit cards are not working. Every time I call they do not give me any explanation or reason why

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 2020-10-10
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: EQUIFAX, INC.

Complaint:
It didn't give me the option for which I need help with I was contacted about eight months ago telling me I was part of the data breach my information was at risk they had me fill out some paperwork I did paperwork it was the part of the Equifax data preach I could be in for 3 years trying to tell everyone including FTC you guys FCC Washington consumer credit all the major credit reporting companies and not one person ever told me about this effect data breach not that they had to but I filled out the proper paperwork they told me that it was going to go through some lawsuit it never did that I'm aware of I never been contacted about it ever again I need to know what's going on and never informed why when I did information to be compensated for whatever I put out there because I did have to do a lot of research I did have to do stuff on my own to protect my own credit I was promised they would monitor it they never did I want to know step by step what's going on and what happened and no one is trying to help me in the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: ASSOCIATED BANC-CORP

Complaint:
My information was used without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
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 denied extended repayment option based on incorrect information. My loans were disbursed between XXXX through XXXX. Nelnet claimed wrongly in their communication to me that my loan was awarded prior to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Manhattan Beach Venture, LLC

Complaint:
On XX/XX/2016 an individual contacted me via telephone stating he worked for student loan relief/Obama forgiveness program. The representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included a contract from Manhattan Beach Venture LLC stating that they will start taking {$39.00} dollars out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for XXXX  XXXX   whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down to avoid others being affected by this scam and get my money back. I do not want someone else to be scammed by this company. I have attempted to contact this company directly and have been unsuccessful with numerous attempts

Company response to consumer: Untimely response
Consumer complaint received 2022-09-22
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. 

According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers 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. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX XXXX XXXX Acct # XXXX XXXX Cred Account : 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 2016-06-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.

Complaint:
I am on automatic payment and every month my student loan is getting withdrawn by NAVIENT ( P.O. XXXX XXXX XXXX, PA XXXX, Tell : XXXX automatically. I keep getting letters of Payment Reminder stating this : the payment for the Navient student loan referenced above is at list 10 days past do. I am getting sick of receiving this EVERY month about my student loan! When I called and talk to the Navient customer ; service he was rude and they keep telling me OH we will fix that, BUT letters of harassments never STOP and I am SICK of it?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.

Complaint:
I pay my bills off fully as they come via online banking. I thought online bill pay took a day or two to clear. I didnt realize that that a payment could be mailed and could take five days to process. So in XXXX I paid my bill on XX/XX/XXXX. Not due until XX/XX/XXXX. It did not post until the XXXX. They are charging me a late fee. After reading the bank policies, I see that I could take five days. That still should post on the XXXX, not the XXXX. 

My original complaint was over my XXXX bill. I paid it on the XXXX thinking it was it was online, not mailed. It was due on the XXXX. They are saying they didnt receive it until the XXXX. When I complained to the XXXX  XXXX  XXXX  I got this letter, with a completely different date structure. But if this is really the late payment, I was even earlier on this payment and it should have cleared with two days to go. 

Im arguing the original late payment and the ones that compounded while I fought the first. I dont know why its taking them so long to process a payment but I shouldnt be charged since I didnt realize that it was online bill paying. But even more so because the five days check window is clearly a processing issue on their end. And I should never have paid the {$37.00} in XXXX because it was a late fee that I didnt pay attention to and it was incorrectly paid. So ultimately I should be refunded {$37.00}. I did owe the penny as I see that I missed it in the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint:
On XX/XX/ I reviewed my credit report with Equifax. The following week on XX/XX/ I logged into MyEquifax.com and attempted to pull a current report, only to get an error message of XXXX asking me to contact Exquifax by phone. I reached out to Equifax using the number provided and spoke with an agent explaining the error I received when attempting to obtain a current report to ensure its accuracy. After several attempts at trying to figure out the issue, the agent explained that they would create anticket for the issue to be repaired and that they would reach out once the issue was resolved. As of today, XX/XX/ the issue is not resolved. I applied for merchandise from a creditor who reported back that there was an error obtaining my credit report from Exquifax and to reach out to Equifax regarding this issue. I immediately contacted Equifax in which they verified that they could see my report as they used it to verify me and as yet there was still no answer to the ticket submitted previously back in XXXX. At this point I have been unable to review my credit report since XX/XX/XXXX to verify its accuracy and cant obtain any credit through my credit report with Equifax due to this unresolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
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:
This debt has surpassed the statute of limitations. The date of last of activity was XX/XX/XXXX, the SOL is 3 years in maryland, yet it still appears on my credit report despite me contacting the company several times. This company is inaccurately reporting on my credit report a payment made in XXXX however, no activity has been made on this account since 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 2018-06-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC

Complaint:
I received a letter from Transworld Systems IncXXXX For a creditor by the name of XXXX XXXX student loan.TRUST XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-20
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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 2020-09-02
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: GOLDMAN SACHS BANK USA

Complaint:
In XXXX of 2020, my husband lost his job. I called Goldman Sachs in XXXX, to let them know I could not make the payment, and the situation. First point of failure was their operator not offering me protection under CARES ACT for XXXX, since that when the hardship occurred. Instead she let me know I was approved and to call next month if needed. She also failed to let me know, that XXXX payment was still due during this call due to NSF ( again knowing my situation I explained, she failed twice ). I called in XXXX again to ask for deferment of XXXX payment- again they failed to let me know XXXX was due, and was approved for XXXX deferment. In XXXX I noticed I was reported 30 days late for XXXX payment, I was confused as I had called them directly to ask for help under CARE ACT, I called twice in XXXX to specifically asked for BOTH my calls to be reviewed as I let them know under CRA they are required to let me know I was past due for March- and I was not notified. Also, if I miss a payment y 1 day, I start getting calls and e-mails, I didn't receive any and I have phone records to prove this. Both time they " investigated '' they failed to let me know outcome of call review, and let me know they reported me correctly. 2 issues here, I was misled to think I was on time and approved on payment under cares ACT when in fact XXXX was not approved hence the calls and emails should been sent to me for XXXX. Also, since I explained my situation occurred in XXXX, why was protection not offered to me for XXXX as well? I have immaculate payment history with them, and given the current environment we are in, they have not impacted my credit and ability to refinance my home for a lower rate to help pay my mortgage. This has placed me in immense financial hardship, and they failed to properly guide me, and notify me and further provide me with the opportunity to make XXXX payment. Im requesting frothy review of their process as it pertain to those asking for protection under CARES ACT and not mislead other consumers into thinking they are up to date on payment and/or approved for deferent when they are not, and it happened to me. I also formally request for this 30 day late to be removed as it was done so unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint:
My name is XXXX XXXX and I bank with Wells Fargo in XXXX XXXX XXXX XXXX. I have have paid the bank several hundred dollars in overdraft fees. Now it is XXXX and my acount is overdrawn XXXX and the bank is refusing my overdraft during XXXX. My overdraft is usually XXXX. After I knew my acount was overdrawn because of a plumbing issue I paid my electric bill and phone bill totalling less than XXXX in overdraft and the bank did not pay them. I support XXXX souls.

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 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
New complaint. Equifax refuses to remove the XXXXXXXX XXXX account. And also the XXXX - XXXX XXXX account from my credit report. They are both beyond the 7 years rule of removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
All three bureaus are incorrectly reporting my credit card balances and its hurting my score drastically

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 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
INITIAL REQUEST ASKED TO PROVIDE ORIGINAL DOCUMENTATION OBTAINING MY SIGNATURE. UNDER THE FCRA, BUSINESSES ARE REQUIRED TO HAVE A COPY OF THE ORIGINAL CREDITORS DOCUMENTATION WITH HARD SIGNATURES ON FILE. I HAVE ATTACHED WHAT WAS PROVIDED AS VERIFICATION WHICH IN TURN ARE FULL OF INACCURACIES AND ERRORS. I DEMAND FOR THIS ACCOUNT TO BE REMOVED AS IT HAS NOT PROVIDED VERIFICATION OF THE ACCOUNT. THE ACCOUNT SHOWS CURRENTLY THAT THERE IS A LAST DAY FOR PAYMENT OF XXXX, AND HAS AN ORIGINAL CONTRACT DATE OF XXXX. CONSEQUENTLY, XXXX HAS FAILED ONCE AGAIN TO PROVIDE PROOF OF THAT DOCUMENTION. A NOTICE TO ACCELERATE DOES NOT SUFFICE NOR CONSTITUTE A SIGNED CONSUMER CONTRACT. DELETE EXPEDITIOUSLY!!!! 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance.

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 2020-09-19
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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL. THOSE ACCOUNTS HAVE CAUSED SERIOUS DAMAGE AND I AM IN DISTRESSED THAT THOSE ACCOUNTS HAVE BEEN REPORTING INACCURATELY. PLEASE REMOVE THOSE ACCOUNTS THAT HAVE BEEN TARNISHING MY 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 2022-02-18
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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