hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2016-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Utah System of Higher Education

Complaint:
Approximately 9 years ago, I started working a XXXX at the XXXX. As a result, I could my student loan provider ( XXXX ) and asked them if I qualified for the public service loan forgiveness program, and I was told that I did not because it was only for XXXX. I also asked if I should consolidate my loans, and they told me that I should n't because my interest rate would go up. I called several more times asking about the public service program, and was told each time that my job did not qualify. I recently discovered that multiple people in my office are in this public service program and was directed to apply for it directly with the department of education, which I did. I then got a letter from the department of education stating that my job qualified but my loan type did not, and had I consolidated my loans they would have qualified. I have since called XXXX and found that they have records of all my call history that support what I have explained, but they have denied me and my lawyer access to these records we have requested. I estimate that the miss-information provided me by XXXX ( which is a contractor acting on behalf of the department of education ) has cost me about {$25000.00}. I am currently trying to get ahold of my call history because Senator XXXX XXXX has promised to try to help me get this issue resolved with the department of education since I was miss-informed by one of their contractors. I would like this to be resolved and either the XXXX or the department of education be held responsible for this misinformation. XXXX has argued that it was not their responsibility to inform me of what loan programs I qualify for and that I am responsible. I disagree with this argument for two reasons : 1 ) XXXX was acting as a contractor for the department of education servicing student loans, and as a result should be expected to understand student loan programs offered by the department of education ; and 2 ) if XXXX was not informed about the public service program or was not responsible for providing information about this program, they should have told me so to begin with rather than giving me incorrect information that I then made important decisions with. Now because they know they are responsible, they are denying me access to my own account information. Please help make this right for 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
Consumer complaint received 2015-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.

Complaint:
Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-26
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: EQUIFAX, INC.

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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:
On XX/XX/2020 I sent documentation regarding unknown and inaccurate accounts I found on my credit report. It's over 30 days now but I haven't received any response. I was a victim of an XXXX  Data Breach. I demand to Deleted those accounts or I will file litigation.

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 2022-01-03
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2023-03-26
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 the Fair Credit Reporting act. The account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 

XXXX XXXX, 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A, section 2. States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information, other than records other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
XXXX. Trans Union failed to respond to my dispute request that I sent certified mail - XXXX XXXX XXXX XXXX XXXX. 

XXXX. Trans Union failed to verify that XXXX XXXX and XXXX XXXX accounts were accurate. 

XXXX. Trans Union never provided a notarized investigation report for XXXX XXXX and XXXX XXXX instead they sent a Investigation Results pages. 

XXXX. Trans Union stated XXXX XXXX was late XX/XX/XXXX then removed this late date of XX/XX/XXXX and change the date to XX/XX/XXXX. 

XXXX. Trans Union stated XXXX XXXX was late to XX/XX/XXXX after ( XXXX ) dispute requests however they never notified me they switched the date. 

XXXX. XXXX XXXX provided a payment log to Trans Union. In this payment log I was never charged a late fee for XX/XX/XXXX or XX/XX/XXXX because I was never late. 

XXXX. XXXX XXXX XXXX has never provided a payment log and I have never been late. 

XXXX. XXXX XXXX XXXX also stated I was late XX/XX/XXXX and then they switched the late to XX/XX/XXXX on my XX/XX/XXXX XXXX credit report

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 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have noticed that the following companies are reporting addresses that are not mine, I have provided a copy of my Drivers license, and these Banks have Account charged my account without sending me a 1099C Under Section 166 of the Internal Revenue Code, All debts or Accounts are charged off. Must send the consumer a 1099C which I have not received from this bank. XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXX XXXX are bank ( as defined in 1.166-2 ( d ) ( 4 ) ( i ) of the Income Tax Regulations ) and is subject to supervision by Federal authoritiesXXXX XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXXXXXX has elected under 1.166-2 ( d ) ( 3 ) to use the conformity method of accounting to determine when debts owed to XXXX XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXX  become worthless bad debts. 
15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports 15 U.S. Code 1681a - ( 2 ) ( A ) ( i ) 15 U.S. Code 1681a - ( 2 ) ( B ) 15 U.S. Code 1681e - ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE

Complaint:
Payment was made on XX/XX/22 in the amount of {$11000.00}. Check was clearly stated in the numerical amount box and on the dollars line on the check. 

Barclay Master Card US posted payment of {$1200.00}. Which caused an outstanding balance, late fee, interest, etc. 

Contacted customer service on XX/XX/22 and again on XX/XX/22. They can not connect me to anyone in payments to discuss how to resolve. 

I have messages them on the web site and called and wasted numerous hours on this to try to figure out how to resolve their error. No one can help me. 

I need to talk to a grown up at Barclay who can speak the English language and intelligently discuss how to resolve this matter. 

Barclay reference number XXXX submitted on XX/XX/22.

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 2023-08-21
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX XXXX : ; XXXX XXXX Balance : {$310.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.

Complaint:
Applied for XXXX XXXX XXXX. Application rejected they say due to Equifax report. Checked and my Score Very Good XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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:
N accordnace with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

US DEP ED XXXX {$7800.00} XXXX  XXXX  XXXX {$3700.00} XXXX  XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$620.00} XXXX  XXXX  XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$420.00} XXXX   XXXX {$140.00} XXXX XXXX {$12000.00} XXXX  XXXX  XXXX {$17000.00} XXXX XXXX  XXXX {$180.00} XXXX  XXXX {$390.00}

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 explanation
Consumer complaint received 2020-04-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
Please attach this clain with another current claim # XXXX. The CD did not get sent to unclaimed funds. It was purchased through Charter One Bank before Citizens Bank bought them out. Citizens Bank finally investigated to find that it was NOT sent to unclaimed funds. We received a call from XXXX XXXX ( Citizens Bank ) XXXX to return her call. She finally made contact with my daughter, XXXX XXXX and made the statement that she must have cashed it in. My daughter didn't even know I had this CD for her until now ... so NO it was not cashed in. XXXX XXXX has not returned any of my calls to discuss this. Furthermore, if it was cashed in, a 1099 form would have been issued for the interest on the account that was paid when cashing the CD in. We feel like someone is trying to STEAL our money! This CD was for {$7500.00} originally, and was taken out in 2001.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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 tried disputing the inquiries on my credit report but Experian does not let me dispute any of the inquiries online. I need the highlighted inquiries attached to this complaint to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately. 
XXXX XXXX XXXX XXXX XXXX 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 2022-02-13
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, XXXX XXXX, Living Person And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
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:
XXXX XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports/files that were opened fraudulently.

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