hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.

Complaint:
I have a private loan originally taken out with XXXX XXXX. Navient is now servicing the loan. My original loan amount was {$25000.00}. It has since doubled. I was in default and they offered me a loan payoff of 85 % at the time. I did not have that amount of money at one time. Keep in mind they offered me this when I was in default. I worked out a payment plan with them to catch up on my payments and bring me out of default. This was a 1 year plan when the plan expired. I called back again to keep the plan or work out another payment options which they did. I asked if the one time payoff was still available. They said no because I was current and not in default. I said so your saying if I am in default you offer the one time payment discount but if I am current you do not. They said that is correct. I called again today and asked if they would offer a one time payoff discount and they said no because I am current and not in default. I reiterated again. So you will not work with me for a one time pay off because I am current on my loan. They said that is correct. Have a good day bye bye. I understand I owe the amount I borrowed. I just want someone to work with me to offer me the one time payoff discount that was originally offered. By the way is still {$15000.00} more than what I borrowed for a total of approx. {$37000.00}. Which is what the guy offered and agreed to today before he abruptly changed his mind when he saw I was current on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX, LCI, XXXX, XXXX, Transunion are reporting a XXXX XXXX Bankruptcy that is inaccurate. US Bankruptcy court has already verified that they do not report or verify public information. 

The bankruptcy that is reporting is inaccurate, unverifiable, and should not be on this credit report. A XXXX XXXX bankruptcy was not filed on XXXX. 

None of these companies have sent back any proof or verification. XXXX, XXXX, XXXX and LCI never even responded.

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 2020-02-28
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: Experian Information Solutions Inc.

Complaint:
XX/XX/2020 I TRIED TO CALL XXXX XXXX, EXPERIAN, XXXX AND LET THEM KNOW THAT SOMEONE HAS TRIED TO SUMMIT FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT THEY FAIL TO HONOR MY REQUEST TO REMOVE THE INQUIRES DO TO IDENTITY THEFT I WAS HUNG UP ON AND ALSO COULD NOT UNDERSTAND THE CUST SERV REPS THEY DID NOT SPEAK ENGLISH THAT WELL

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 2022-10-10
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: AMERICAN EXPRESS COMPANY

Complaint:
Reporting all companies that were never authorized to use/ my pull information. 
View the list below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICAN EXPRESSXXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SinglePoint GI

Complaint:
I am attempting to transfer to a University in Oregon but I can not due to defaulted loans. I'm not sure how much I owe. I don't feel comfortable giving out my contact information to General Revenue Corporation just to retrieve information. With the recent student loan forgiveness, isn't this illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY

Complaint:
American Express is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These two accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A.

Complaint:
COMPANY CONTINUES TO CALL BUSINESSES AND RELATIVES TO COLLECT A DEBT I DO NOT OWE. CALLS UPWARDS OF FIVE TIMES A DAY, NOT INCLUDING T HOSE CALLS TO BUSINESSES AND RELATIVES. REGARDING A DEBT I DO NOT OWE. THESE CALLS NEED TO STOP. THEY ARE THREATENING AND RUDE. THIS BILL IS NOT MINE, AND IS YEARS OLD, NO LONGER COLLECTIBLE LEGALLY. THESE EFFORTS CONSTITUTE FRAUD AND ARE ILLEGAL AND MUST STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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 have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2023-05-06
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.

Complaint:
On my drivers license report check it indicates that I was sanctioned for vehicular homicide but that is incorrect. The charge was " XXXX XXXX XXXX XXXX '' as no one died in the incident and this can be verified by iowacourts.gov website and the iowa court system. I would like this fixed as XXXX XXXX is a lot more serious of a charge and implies that I am a XXXX even though I have never XXXX   anyone. Thank you. The control number is 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 2019-04-23
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: SYNCHRONY FINANCIAL

Complaint:
I was born XX/XX/XXXX This account was opened XXXX by my Father who has the same name. 
I was only 5 at the time the account was opened. 
Its more than 9-10 years old ( the acct ) and is closed/has been.

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 2021-11-23
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:
I have notified Equifax XXXX  times in XXXX months in writing and provided proper documentation including police report, identity theft packet a court order and state issued photo identification. They did not respond within 30 days and did not block the fraudulent accounts from my report within the required XXXX business days. When I call they are not helpful. They are not following the FRCA at all. XXXX has already removed them and blocked them but Equifax has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY

Complaint:
Before the pandemic I used to own a business, however I owed a balance of {$35000.00} to American expenses and I was paying every month on time until the business collapsed because the pandemic The loan was in the name of the business but American expenses put the credit on my credit report with affected my credit score from excellent to fair I reached out to them few times to arrange some payment to pay off the balance and they refused that time and their excuse back then was they didnt have any options for me So because I lost my business I was not able to make anymore payment They sent the charges against my credit report instead of of the business that I lost because of the pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.

Complaint:
I was a with COMENITYBANK/XXXX  customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}

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 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Unauthorized transaction of XXXX $ USD tried to get it canceled they told me to wait until its posted. It posted on my account and i filed a claim and it was denied tried multiple times to have this appealed nothing but a run around regarding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2019-08-12
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: SYNCHRONY FINANCIAL

Complaint:
JC PENNY is reporting something on my credit that does NOT belong to me! I applied for a credit card with JC PENNY BACK IN XXXX AND XXXX and my credit application was denied. I dont have an an active account with this company nor have I authorized any accounts to be used in my name. I recently noticed a missed payment on my credit report with this company and I dont have nor have I ever authorized the use of a JC PENNY credit card. I called this evening a spoke to a representative in there fraud department this evening,XXXX about XXXX, her name was XXXX ID number XXXX and she confirmed that she couldn't find ANY active accounts with my name associated with there company but only a past application when I applied 10+ years ago ad was denied and no account was established which I confirmed was correct. I dont have any authorized accounts with this company and I want this erroneous reporting removed from my credit report immediately! I filed a dispute with XXXX and that stated the info was valid. I requested the documentation confirming the action they have to refute my dispute today from a representative at XXXX by the name of XXXX ID # XXXXand he couldn't provide any reasoning only stating they confirmed this was my account and that they have determined it was authorized by me. I never authorized my name on this account or applied for this particular account onr have I used this account!

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 2015-07-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC

Complaint:
I contacted the credit collection company, Fidelity Creditors in XXXX CA and talked to " XXXX ", after I faxed and mailed them the Federal laws that state I am " Exempt " from levy's and garnishments and court orders under Title 38-Veterans Benefits Part IV Chapter 52 Special Provisions relating to benefits  section 5301 A,B,C,D, and they laugh at me and tell me the will get the money and that I am making it up, that I am not exempt and there is no such law(s) and they will ruin my credit until I pay. I told them to stop all collection procedures because they are ruining my credit for a non-collectible debt. They said, So what ". It will be on your credit until you pay and they do not honor made up laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint:
I closed my business checking account with Citibank on XX/XX/21 via the phone. Citibank claims to have mailed me a check. It never came. I called Citibank to alert them. They said they would issue a replacement check. The replacement check never came. Two lost checks in the mail seems suspicious. 

After numerous phone calls, and one month later, I arranged to pick up the funds at the local branch. It was explained to me that in order for me to pick up the monies at the branch, they would have to cancel the second check ( apparently, they canceled the initial check in order to issue the second check ), in order to transfer money to the branch 's general ledger, so I could in fact pick up the monies. 

I repeatedly asked for documentation -- copies of the two canceled checks -- as of today, I have yet to receive. 

While I did finally receive my funds, two loose checks are floating around with my name on it. I would like proof -- documentation -- that those two checks were canceled. 

Citibank is a finial institution that is supposed to keep accurate records. I am not sure why they refuse to share with me proof that they mailed the two checks. Right now, they are claiming that the XXXX Postal Service lost the mail -- yet, they refuse to provide docmentiaon that the checks were ever issued. 

Please provide a copy of the canceled checks, and a copy of the actual checks.

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 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.

Complaint:
The message said Chase Fraud : Did you use your card **** at XXXX on XX/XX/24. Reply yes or no standard messaging rates may apply. 

This was a text message from a number XXXX. It was not a phone number. What was bothersome was they actually put the last XXXX of my credit card in the text, and they knew that those XXXX numbers belonged to my card at that bank. But thats what made me think it could have been legit. I almost clicked NO, I didnt use it there. But before I did that I asked my son, he suggested checking my bank acct to see if there was a charge to XXXX. But since there wasnt, I saw no reason to answer that text. Plus my first gut reaction was possible something fishy was going on. I would think my bank would contact me another way regarding fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint:
Please see complaint no XXXX My Citi  online access hasn't been working for sometimes and I've contacted the company several time without getting any response. Their websites never work properly, there are so many issues from failing to response properly to other risks such as opening multiple accounts at once. I need immediate response as I have been on paperless mode for more than 5 years and now can't check my statement or make payment. 

I have sent Citi 7 emails to Citi XXXX XXXXXXXX XXXX regarding this. 
Prior to that, I was told what to do over the phone but it never worked and I sent the screenshot to them. I never got any response. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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: Fidelity National Information Services, Inc. (FNIS)

Complaint:
I cant verify exactly what they have on file so they refuse to assist me!

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