hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.

Complaint:
I want to file a complaint against Great Lakes Loans servicer ( mygreatlakes.org ). I paid on my school loan during the COVID pause even when I didnt have to from XX/XX/XXXX all the way up to early XX/XX/XXXX of this year. I learned in late XXXX of this year that per the Covid CARES Act I could request a refund for the payments I made during that period so I jumped on that ASAP. 

On XX/XX/XXXX I called and requested a refund with Great Lakes Loans. The man l spoke to on the phone told me I was eligible for at least $ XXXX back and he told me my refund should be processed and available in my bank account in about 30-40 days. Once we got off the phone I waited and after that time period had passed I still didnt see any changes on my account with them ( not even a balance update ) so I called again to make sure my refund request went through and this time they told me Id have to wait 60 days. 

As of today ( XX/XX/XXXX ) its been at least 60 days now and I still dont even have a balance update on my account with them. Im losing patience because it doesnt seem like my request is actually getting processed and the White House just released the Student Loan Forgiveness Application ( and Ive been holding off on applying because my student loan account still hasnt been updated ). Online Im seeing a lot of people who applied for a refund with Great Lakes Loans in XXXX and XXXX getting their refunds way earlier than me while Ive been trying to be patient this whole time. Please help me speed up this process with my account so that I can finally apply to the Student Loan Forgiveness program before its too late. Great Lakes Loans customer support has been useless and I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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: EQUIFAX, INC.

Complaint:
This is XXXX XXXX submitting yet another CFPB Complaint regarding the removal of the fraudulent accounts and information that the Credit Bureaus report on my Credit File XXXX It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Once again, I need the Credit Bureaus to remove the following accounts and information completely from my Credit File : 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 response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Gragil Associates, Inc.

Complaint:
I have confirmed with the hospital the procedure was performed at ( XXXX XXXX ) that they got a notice that the statement was not getting to me. They ( XXXX in the billing department ) read my address to me as # XXXX, I told her it is # XXXX and she said " yeah that 's what I meant '' and changed it. 

The first contact from Gragil Associates, I explained that I never knew I had a debt and certainly would have worked this out with the hospital, and asked if I could do that instead. She said no, and that she needed me to pay the full amount or it would be on my report and they would take me to court. I said I could not come up with the money, but can make payments, and she refused. She said " they do not do that '' and I have to pay the full amount. Since then, I have received a bill every month, and every month they 're adding more negative comments to my credit report. Every month, I do the same thing, and call and say that I can make a payment, but she says the same thing " they do n't do that '' and she wants it in full ( yet they are reporting to the credit agencies that I am refusing to pay, which is not at all the case ). I got a final letter on XX/XX/XXXX that says " I fail to understand your lack of cooperation and feel this should be paid. '' I have been trying to cooperate since day one, but they keep falsely telling the credit agencies that I am refusing to pay, destroying my credit. XXXX XXXX XXXX refuses to take a payment unless it is in full, which I can not afford, and they will not give he debt back to XXXX XXXX hospital, who now knows the mistake that happened in the first place and would be willing to work with me on a payment plan. 

I would like these negative remarks taken off of my credit reports from them, as I am TRYING to take care of this debt ; in addition I would like them to accept some sort of payment, or give the debt back to the hospital, so I can stop receiving threatening phone calls and letters in the mail. 

In addition, it should be stated that I have tried calling every single day since the latest letter was mailed to me on XX/XX/XXXX, and am told every day that she is not in the office ; so now they are still sending me threatening letters and having other people call me, but she will not speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
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: JPMORGAN CHASE & CO.

Complaint:
I have 5 hard inquiries on my credit score ( XXXX ) which are the the following : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Chase Bank USA, N.A ( XX/XX/XXXX ) Chase Bank USA, N.A ( XX/XX/XXXX ) XXXX XXXX XXXX   XXXX, ( XX/XX/XXXX ) All they are is XXXX XXXX XXXX getting background information about getting service at my apartment and chase is for applying to a credit card which I use everyday! So, why hasn't all this been removed yet? 

These things haven't been removed and it's been over 5 years on most of these inquiries and I know for a fact that these usually have a limit of up 2 years. 

Please remove them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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 a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and XXXX are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A  debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$7100.00} XXXX  Account # XXXX Amount {$230.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$590.00} Inquiries : 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 explanation
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
MY credit was ran twice without my permission.

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 2019-03-07
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: EQUIFAX, INC.

Complaint:
To whom it may concern, I have been in the process of strengthening my Credit Score over the past year. 
I went from having started with a score of XXXX I went up recently into the mid 700 's. I have opened 3 new credit cards with XXXX, XXXX & XXXX. I have also opened up a Business Checking Account with XXXX. 

In the last week, my account has decreased by ~50 pts. This was unbelievable to me since my score has been growing slowly as I've had new accounts and have had an impeccable payment record. 

I would like to have this investigated as to how this happened and why this system scored me the way that it did under the U.S. Equal Credit Opportunity Act. 

To give you some reference, I have never had more than a few XXXX dollars in my bank account or more than {$2000.00} of available on a credit card. Now, I have $ 30,000+ credit available and $ 25,000+ in my bank account and my credit score has gone DOWN! 

This is troubling to me that this is the algorithm allowing Americans access to certain Loans, Credit, Housing, Etc. 

I would greatly appreciate a timely response, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION

Complaint:
I am a XXXX XXXX VA XXXX XXXX veteran. I am cosigned/paying for two separate student loans for my Son whom is attending XXXX  XXXX University in XXXX. I am unable to negotiate a lower interest rate. Nor am I able to make these loans not count so harshly against my credit score. I have done all that I can in dealing with Sallie Mae. I don't know what I don't know and I am really just trying to get the best advice and interest rate possible. Please advise The two loans combined exceed {$47000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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 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 719XXXX 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 2020-02-21
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XX/XX/2019 2., XXXX XX/XX/2019 3., XXXX XXXX XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2023-03-18
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: Experian Information Solutions Inc.

Complaint:
I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.

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 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC

Complaint:
On XX/XX/2022, a Dispute letter was sent out to XXXX XXXX which is being furnished on my Consumer report. The address to send correspondence to XXXX as reflected on my Consumer report is XXXX XXXX XXXX XXXX, MN XXXX. My dispute was sent to this address in an attempt to have this account investigated and all reporting to cease and desist until it could be investigated, however, the mail sent to XXXX was returned " not deliverable as addressed ''. The credit reporting remains and I have disputed with credit agencies and they have verified as accurate, however the debt infact is not accurate and is the result of Fraud. Law provided that all information is furnished on my consumer report must be 100 % accurate and I, in fact, would like this debt verified and a contract to be provided that bears all party 's signatures. which has not been provided to me. 
I found a secondary address and sent a letter to XXXX in XXXX Texas in which they received my dispute and signed for it. However no response was ever received providing me with complete debt validation regarding this dispute.

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 2018-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.

Complaint:
Today I received a credit monitoring alert stating that I have a delinquent account with XXXX XXXX ( c/o Resurgent Capital ). I have never had an account with XXXX XXXX nor do I have any account number associated with the reported account number on any of my credit reports. I also never received a debt validation request letter from XXXX XXXX ( c/o Resurgent Capital ) and am disputing the validity of this debt. 
In addition, on XX/XX/2017, I disputed the validity of another purported delinquent account with XXXX XXXX ( c/o Resurgent Capital ) with the Consumer Finance Protection Bureau so XXXX XXXX ( c/o Resurgent Capital ) is well aware of my address however, they intentionally and fraudulently failed to mail me any communication regarding this purported debt prior to reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
This is the second time this year that a XXXX account has showed up on my credit report with no owner name, zip code, or any identifying information so I am actually able to get the account removed. How is a credit agency allowed to add an account to my report that isn't even linked with my social security number? I called XXXX and was told they could give me no information about the account because they didn't have it. I don't understand how it is even on my report, twice even, if there is nothing that connects this account to me. I spoke with XXXX 's fraud department and they said my name was similar to the account holder 's authorized user and that's how this happened. What! A similar name is all it takes for my credit score to take a spin twice in a year. This has to criminal. Why do I have to waste my time and money missing work to fix these issues when there should be checks and balances to prevent this in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
I had my accounts closed by chase and they are holding all my funds and want release them to me its been almost two months and every time I try and talk to someone about the phone automatically disconnects I need my money returned to me and the bank is refusing to send my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hollis Cobb Associates

Complaint:
I had XXXX at XXXX XXXX. XXXX began sending me bills for my portion. I paid {$50.00} and when I went to make a second payment, I could not make one in the portal. I was given a number to call or they ( Patient Accounts Bureau ) called me repeatedly. I finally called them back and they said they have this debt. This was in XXXX. I asked for a proof. They never sent it. I repeatedly asked. Then today, XX/XX/22 I called back because they left another voicemail. I asked for proof again and the rep said they are not required to send another bill. I said you never sent the first one and I am asking for this again because I never got it. She got angry and then said just tell me how much can you pay. She said numbers like {$500.00} per month, {$400.00} per month, {$360.00} and then $ 250 monthly to pay it off. I said, I don't make that amount of money to pay you that monthly. Send me the bill so I can see it. She said no again. I asked for her supervisor. After a XXXX minute hold, she came back and her supervisor would call me back. I said great but do know that if I asked you to validate this debt in writing and you do not provide it after numerous requests I can report you to the state attorney, FTC and Consumer Finance. She said she didn't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: EQUIFAX, INC.

Complaint:
I sent original cfpb complaints # 's : XXXX XXXX XXXX concerning inaccurate and incomplete items on my credit report. That was XX/XX/XXXX, I also sent a follow up letter XX/XX/XXXX asking for physical verification of the following accounts. 
Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
XXXX XXXX XXXX {$840.00} XXXX XXXXXXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX Bank XXXX {$1500.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX Bank XXXX Inaccurate Late Payments It's been more than 30 days, attached is the original letter sent to the bureas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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