hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-24
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: EQUIFAX, INC.

Complaint:
On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, I have sent letters MONTHLY to Equifax as well as XXXX and no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX. XXXX XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. It has been several months now and this needs to be resolved. According to 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.

Complaint:
Hello Manager ; Something is wrong with the way this is reporting. There is no way that these companies ( XXXX, XXXX, and XXXX ) investigated this student loan from NAVIENT. The same information continues to report on my credit. I honestly don't believe I that the information reported is correct on this student loan and I don't agree with the total balance that they are reporting on my credit, the fees that i been charged, the open date, and the monthly payment and inconsistent dates of last payment. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports different dates of last payment, date of last activity, and questionable balance, etc Also, Hows it possible that youve reported those inconsistencies and errors if those info are furnished by the same company? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.

Complaint:
I opened my Chase Visa card in a predominantly XXXX zip code ( XXXX ) and since then they have charged me 30 % interest. This year alone I have paid {$2400.00} in interest. My XXXX card opened in the XXXX  XXXX zip code XXXX charges me 9.99 % interest. I asked Chase to match that and they refused. I have a total of {$10000.00} in auto debt on a 36 month loan with 30 month to go. I have {$21000.00} in revolving debt including the {$8700.00} ( most of which is interest ) owed to Chase. I paid off my mortgage early. My student loans were forgiven through PSFL and I paid off my last car loan early. Yet Chase claims the 30 % interest is justified. I think the reason is exploitation and discrimination because my house was located in a XXXX neighborhood and I would like Chase to be investigated for redlining. Since XXXX XXXX is okay with 9.99 % the only difference is the zip codes where they started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: EQUIFAX, INC.

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
I am m submitting this CFPB complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 



According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Be Advised Capital One, you have been sent the following notice in relation to your attempts from collecting alleged debts and present debts Not OWED to you ; Debt Validation notice, cease and desist and billing error notice. You are attempting to collect alleged debts from ( a federally protected CONSUMER and not a customer that extended my credit to you, and you have been taking advantage of me ) without any authorization or authority to do so. You are exhibiting UNFAIR DEBT COLLECTION PRACTICES in your attempts to collect these alleged debts violating federal law 15 U.S.C 1692 and are not maintaining business practices consistent with the Truth And Lending Act 15 U.S.C 1601 nor the fair billing act 15 U.S.C 1666. You are required by LAW to adhere to these regulations and maintain business practices consistent with these laws, also including your requirements to have business practices consistent with Generally Accepted Accounting Principles pursuant to 12 U.S.C 12 1831n. Your actions lead to a violation of the law and your oaths to maintain these practices in your business dealings. As the natural person, I am demanding all of the information be sent as required pursuant to the aforementioned laws and those clearly and conspicuously shown in the attached notices. As a consumer, I have a right to dispute ANY act that violates me as a natural person. As congress has stated YOU are a debt collector pursuant to 15 U.S.C 1692a ( 6 ) and your adherence to this FEDERAL LAW is NOT optional. In my attached notices I have demanded several original documents, if your claims hold any merit you will have no problem providing proof. This demand is NOT optional you are REQUIRED pursuant to the freedom of information Act Act 5 U.S.C 552 to provide ALL the information that was demanded the exact way it was demanded. Any submission not in compliance with these demands will create exhibits that prove that I do not owe you any alleged debts. As the ORIGINAL CREDITOR and CONSUMER involved in the alleged debt, I am demanding you comply with the demands in this attached notice. The affidavit must be answered point by point. I will not hesitate to pursue further litigation to enforce the protection of my consumer rights if need be. Without this demanded documentary evidence that I owe any alleged debt, your practices are inconsistent with 15 USC 1692 and you will be held FULLY accountable for your WILLFUL NONCOMPLIANCE with federal law. Pursuant to 15 USC 1635b I have a RIGHT to rescind ALL money and interest that was paid for an alleged debt that was not for me to pay back to an account I desire. Also pursuant to 15 1692h because I was deceived to pay an alleged debt, for future payments I choose to apply for such payments in accordance with my direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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 following accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX have violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I settled my debt with Portfolio Recovery Associates, LLC on  XX/XX/XXXX and found out in XX/XX/XXXX that they falsely reported my debt unpaid to the credit bureau. 

I settled my debt with PRA through a third party settlement company on XX/XX/XXXX and found out in XX/XX/XXXX, while applying for a Mortgage, that PRA had falsely reported my debt unpaid to the credit bureau. When calling PRA, they lied to me and claimed that while they had recieved a settlement proposal, they never accepted that proposal. They continued to tell me that I still owed {$1300.00}, and then offered me a {$750.00} settlement as if they were doing me a favor. I called my settlement company shortly thereafter and they immediately furnished me with proof of correspondence, which proved the settlement had been accepted. PRA literally had multiple staff and management members LIE to me to try to get more money out of me. What they did is blatantly illegal, and if I had the means and the time, I would pursue legal action. These derogatory marks on my credit report have affected my ability to secure a mortgage and will affect my interests rates for years to come, indirectly causing me thousands of dollars in financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have had a Capital One credit card for over 25 years, I have carried a XXXX balance for the past couple of years until I used it one time in XX/XX/2022. I paid the entire balance of XXXX off in XXXX. Apparently at the end of XXXX, I was charged a {$29.00} membership fee that I was not aware of. On XX/XX/2022, i was charged a late fee of XXXX on the XXXX membership. On XX/XX/XXXX, I was charged XXXX interest on the membership fee. I called to have these fees reversed for charging me a late fee on a fee, but they could not guaranty the fees would be removed to a XXXX balance. The card remains opened, I agreed to pay the membership fee, but not the fees or interest on a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Synovus Bank

Complaint:
First issue somebody write {$18000.00} check in somebody else company name had it delivery two another address and the bank denied my claim for no reason and would send us information i file XXXX that said that don't have to tell us why but not there money on the line it's my money and then that close my account in issue i should have been tell about something costing that much. Then on top of that I had made claim for XXXX charger because by them closing my account XXXX place hold on my account in i never got my order the bank wouldn't file a claim on my behind ever doe i was tell by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA

Complaint:
In approximately XX/XX/XXXX, I consolidated my Stafford Loans with Fedloan. I have been paying my loan repayments on auto pay with my bank account ever since. I never missed or was late on one payment. I set up my auto pay to pay {$110.00} per two weeks to the sum of the minimum due ( {$220.00} ) per  month. I never received any notification of any changes to my account. In XXXX of XXXX, I reviewed my payment history and the amounts of money being disbursed by Fedloan to the Principal and Interest. To my disbelief, I noted that several months the full payment went to interest only and {$0.00} to principal. I called Fedloan to inquire as to why my principal was not going down even after paying ahead on some months and never less than the minimum required. I was told my minimum payment went up ( $ XXXX ) which I was never made aware of, nor believe is possible or legal. I added to my auto pay to make my biweekly payments {$150.00} per two weeks a total of {$300.00} per month or greater where twice a year there are moths with 5 weeks and 3 pay days. I even sent in an extra {$300.00} in XXXX of XXXX to make sure I was ahead on payments. 

On XX/XX/XXXX, I called Fedloan again as I found more transactions where {$0.00} of my payments were applied to my principal. I spoke to over 4 different people who treated me very poorly and as though I was ignorant and bothering them. Finally, I spoke to XXXX ( XXXX ). XXXX reviewed my transactions with me while I was on the phone. I used the XXXX spreadsheet to give XXXX the exact dates of my {$0.00} applied to principal. Finally, XXXX understood my concern and told me, this will go to Service Recovery Department and It is notated in the review status my concerns. I was told by XXXX that I would be contacted within a week. Here it is nearly 1 month later, and I still have no answer as to why I make the full payment and even more than the minimum payment and yet {$0.00} goes to interest. 

I will attach the spread sheet which I downloaded directly from Fedloan. Additionally, here are the dates of my questioning : ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX ). It should also be noted that many months greater than 90 % of my payment went to interest while the remaining 10 % went to principal. There were almost 60 months were less than {$12.00} went to principal per payment made. 

Again, my question which still has not been answered is as follows : how can I make the minimum or greater payments per month, be ahead on payments, and still have several months worth of payment which {$0.00} was applied to principal? I would be grateful if this can be answered and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
I reviewed a copy of my credit report and I see that there is a bankruptcy item listed that I'm not aware of. I attempted to contact the company and request verification and received nothing back. I understand that this a violation of FDCPA and need to have the account deleted from my credit profile.

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 2017-09-09
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: Experian Information Solutions Inc.

Complaint:
Because of the data breach at equifax, I am putting a freeze on all 3 credit bureaus.
I had no trouble doing this with both XXXX and XXXX. BUT.. experian is causing me trouble.
I entered all the correct data on their website. But..they claim I did n't answer a question. Correctly. When I looked for more information ... I was told the question about a vehicle I purchased prior to XX/XX/XXXXwas incorrect.
Well..I am XXXX  years old. I have owned a XX/XX/XXXX, a XX/XX/XXXX, XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX, and a XX/XX/XXXX. But..they only want one. Which one? I think I guessed wrong. How in the world can anyone my age ever get this right?
Also..the question about phone numbers ... 3 of the possible answers were correct ... which one do they want? 3 are true.
So..now they want copies of my current utility bills to prove my current address. I have been the sole caregiver for my elderly parents for the last year ... the bills are all in their names.
How do I get thru to them? I need to see what is on my report and I need that credit frozen.
Every other redit report bureau had no trouble with my info ... geez ...
Please help!
Contact me at XXXX. Or by phone. XXXX XXXX I am really worried that the timing I. This is very important Thank you, - 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 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.

Complaint:
The three main CRAs are reporting student loan accounts that are ten years old and have been requested removed via the FCRA ; those same bureaus are reporting balance transferred, closed accounts, or delinquent on these older accounts ; several of the closed student loan accounts are also showing unknown on payments for several years, except for late payments within those accounts ; I have called the original creditors off those loans/ accounts and they have stated the account is no longer accessible and they do not report to any off the CRAs. I am requesting immediate removal of those accounts labeled under XXXX XXXX ( 2 ) ; XXXX XXXX XXXX ( 2 ) ; and XXXX XXXX XXXX XXXX XXXX the above aforementioned accounts have been requested for removal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My credit report is showing a XXXX XXXX and a XXXX XXXX Authorized User Account that I have never opened or authorized.

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 2023-02-24
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:
I have an account with XXXX  XXXX XXXX  showing a 30 day late on transunion. The creditor requested that they remove it and ALSO gave me a letter stating the same. I provided this letter to transunion and they are refusing to remove the delinquency.

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 2023-07-10
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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