hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-22
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 disputed the XXXX balance on the first premier credit card because it was open fraudulently. And they have yet to remove it from my credit profile. And I also disputed a XXXX balance with Macys because it was open fraudulently as 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 explanation
Consumer complaint received 2022-07-11
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 XXXX XXXX XXXX Account # XXXX, has 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: EQUIFAX, INC.

Complaint:
XXXX is reporting a late payment in XX/XX/2021. I have contacted XXXX and have no record of this late payment. I have sent tall the bureaus several letters regarding this inaccurate and unverifiable late payment reporting on my consumer report. I have stressed how this is affecting my credit and hurting my life. I was never late on this account and I have always paid my bills on time as you can see. Therefore, I do not appreciate no one has corrected this inaccurate information. I have asked all the bureaus for variable proof and have yet to have received proof on how they reported this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: EQUIFAX, INC.

Complaint:
XXXX XXXX Type - Auto Loan Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX CAPITAL XXXX Reported : XXXX XXXX, XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX. 
Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I was checking my most recent credit update and I have notice that XXXX account number XXXX is reporting a negative on XX/XX/2022. I have Closed and Paid XXXX in full on XXXX XXXX. I have attached the payment confirmation and my drives license. The information reported is incorrect and damaging. I need this investigated and addressed as soon as possible, Please and Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA

Complaint:
I am an Apple Card customer. In XXXX of this year I made a monthly payment as shown on my XXXX to avoid an interest charge. Paying the full amount that was reported in the Apple Card app, I nonetheless was charged an additional interest payment by Goldman Sachs. After a number of conversations with Goldman Sachs and Apple, I was told today by Goldman Sachs that the reason for this charge was because I did not pay a previous months finance charge ( that had been partially waived by Goldman Sachs ), and that the full amount needed to avoid and additional charge could be found in my statement, but that the app would only report the amount necessary to avoid a finance charge for XXXX transactions. I have contacted Apple regarding this revelation and informed them that the data being sent to their app is erroneous and that their apps feature of noting the amount to avoid a finance charge is misleading ( or completely wrong ). Goldman Sachs for their part has done nothing to resolve this issue and has attempted to talk their way around the situation telling me that I am responsible for reading my statement, but they are not responsible for the functionality of the Apple Card app. In summary, I believe Goldman Sachs practices in this case are intentionally designed to mislead their customers, resulting in fraudulent finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc

Complaint:
XXXX XXXX Ad Astra Recovery Services {$300.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
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 asked for all the disputes to be removed from my credit report months ago and they haven't been removed. The disputes on my student loans ( XXXX ) need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX keeps reporing incorrect information after the amount owed has been settled with a collection agency they contracted. I paid XXXX  on XX/XX/2020 in the amount of XXXX which was the agreed upon settlement offer. They acted on behalf of XXXX XXXX so this account is paid in full and satisfied.

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 2023-05-13
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: Experian Information Solutions Inc.

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

NONE 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 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 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 explanation
Consumer complaint received 2021-02-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA

Complaint:
On XX/XX/XXXX I received a letter from Fedloan that my payment terms had changed and my payment was going to increase due to previous monthly payment amount not be sufficient to pay off your loans within the time period allotted. 
When I received this letter I knew immediately something was wrong AGAIN ( I have made prior complaints through CFPB and Dept of Education regarding Fedloan ). 

My payment terms should not be changing due to : 1. payments being suspended due to COVID. 
2. my payment should not be increasing due to the 0 % interest rate since XX/XX/XXXX. 

0 % interest rate saves money overall, even though my payment won't be lower. The full amount of my payment should be applied to the principle balance of the loan. I was up to date with my payments prior to the payment suspension period began, interest accrued prior to XX/XX/XXXX, will not capitalize. Therefore no outstanding interest will be added to my principle balance when payment suspension ends. 

Despite not having to pay my loan I have continued to make payments : {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX Repayment terms : XXXX XX/XX/XXXX Repayment amount {$28000.00} - 90 months {$310.00} 1 month {$310.00} Repayment amount {$78000.00} 90 months XXXX 1 month XXXX Total : {$1100.00} New repayment terms XXXX ( this date is incorrect it should be XX/XX/XXXX ) Repayment amount {$25000.00} 76 months XXXX 1 month XXXX Repayment {$69000.00} 76 months XXXX 1 month XXXX Total : {$1200.00} I should not have to pay more I should actually being pay less especially since I have resumed my payments. 
first loan amount is reduced by {$3300.00} ( $ XXXX now {$25000.00} ) second loan amount is reduced by {$8900.00} ( $ XXXX now {$69000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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:
To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XX/XX/XXXX Transunion, and XX/XX/XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.

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 2017-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
I 'm a customer with Navient , the Largest student loan servicer ; which in this case it has harmed me more so than helped me as the borrower throughout the repayment process. With having to do forbearance over a period of time, it literally made my small loan turn for the worst with owing nearly five times of what I borrowed. The company has failed to admonish myself about other payment opportunities that would be suitable for my situation, yet along explain the process of how false leading forbearance may be with add ing more interest to the loan. For which so, I 've been taken for granted and wish to look into lawsuit actions immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. which is false and misleading.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer 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 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.

Complaint:
Several letters were submitted, with FTC Identity theft report attached. 
Police report filed calls made to no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
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: EQUIFAX, INC.

Complaint:
THE INQUIRIES LISTED ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THOSE INQUIRIES WERE NOT AUTHORIZED TO APPEAR ON MY CREDIT. I DID NOT GIVE THOSE COMPANIES ANY AUTHORIZATION TO RUN MY CREDIT. PLEASE HAVE THOSE EXCESSIVE INQUIRIES OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I, XXXX XXXX, give authorization for TRANSUNION LLC to move forward with this complaint. I am in receipt of the attached investigative report from TRANSUNION LLC. In good faith, I exercised my right in demanding to see proof of validation for alleged accounts that have been furnished on my consumer report. However, the attached investigative report does not provide any documents that I requested to see that proves the validity of the alleged reported accounts. TRANSUNION LLC is displaying malicious intent by damaging my reputation and making me seem not credit worthy. I now run the risk of being denied credit due to them reporting false and inaccurate information on my consumer report and file. The following alleged accounts are false and inaccurate : 1. US DEPT OF EDUCATION # XXXX with alleged balance of {$5800.00} opened XX/XX/XXXX 2. US DEPT OF EDUCATION # XXXX with alleged balance of {$2300.00} opened XX/XX/XXXX 3. US DEPT OF EDUCATION # XXXX with alleged balance of {$2200.00} opened XX/XX/XXXX 4. US DEPT OF EDUCATION # XXXX with alleged balance of {$5600.00} opened XX/XX/XXXX 5. US DEPT OF EDUCATION # XXXX with alleged balance of {$5700.00} opened XX/XX/XXXX 6. US DEPT OF EDUCATION # XXXX with alleged balance of {$2400.00} opened XX/XX/XXXX -I NEED TO SEE THE PROOF of who were the known associates of XXXX XXXX that might have information in regards to any of these alleged transactions that TRANSUNION LLC contacted to validate these alleged accounts. 

-I NEED TO SEE THE PROOF of how TRANSUNION LLC has this calculated amount that I allegedly owe. 

-I NEED TO SEE THE PROOF of where TRANSUNION LLC got this information to obtain this type of report when there are missing records. 

As you can see the alleged accounts on my attached consumer report have been allegedly updated and verified and reported as closed. If the reports are closed why is that the alleged accounts have a balance. How is this accurate reporting? 

As you can see the alleged accounts on my attached consumer report have been allegedly updated and verified and show in collection without ever being late. How is this accurate reporting? 

As you can see the alleged accounts on my attached consumer report have been allegedly updated and verified and have no payment history from when their records say the alleged account was opened. But out of nowhere the alleged account reports in collection. How is this accurate reporting? 

Any competent person can see that this is 100 % false and inaccurate reporting. As a result, the mentioned alleged accounts must be blocked, removed, and deleted from my consumer report and file IMMEDIATELY per my written instructions.

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 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I closed a real-estate transaction using XXXX XXXX XXXX XXXX  ( XXXX ) as my mortgagee. My first payment towards this mortgage was dated for XX/XX/XXXX. I submitted this payment before it's due date. I received an email XX/XX/XXXXXXXX  from an ( XXXX  ) representative letting me know that they received my payment, but didn't have a loan number associated with the payment. I provide the loan number and I was told by representative XXXX, XXXX " the loan payment was applied today to your loan '' XX/XX/XXXX. My loan was then transferred XX/XX/XXXXXXXX  to XXXX XXXXXXXX XXXX ( XXXX ). After several months I noticed that XXXX updated my credit report stating a 30 day late payment XXXX, XXXX  which is the same month my loan/monthly payment was transferred to XXXX and subsequent charge offs XXXX and XX/XX/XXXX. I submitted a dispute with the two credit Bureau who were reporting this false information, being XXXX and Equifax. The credit bureaus " investigation '' came back validating the incorrect information. When I contacted both bureaus for proof validating the claim I was told they do not provide documentation regarding claims to consumers and I would have to contact the reporting company. I reached out to XXXX XXXX XXXX XXXX loan servicing department several times for proof substantiating their claim most recent on XX/XX/XXXX. The loan servicing department was unable to provide me with any documentation substantiating the claim. I compiled all conflicting information and opened another dispute with the credit bureaus citing all discrepancies found during my own investigation. The credit bureaus still deemed the information provided by the reporting company ( XXXX  ) as valid after their most recent " investigation '' XX/XX/XXXX. I have filed multiple disputes with both credit bureaus regarding the false reporting ranging from XXXX, providing the same proof that I have attached below proving the claim as false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
The company Portfolio Recovery has continued to call our number for years even though we have advised them numerous times that the person ( s ) they seek have never lived at this location. They have said that they will remove our number, but they never do.

Company response to consumer: Closed with non-monetary relief