hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.

Complaint:
I am a university graduate with federal student loans that are being managed by Navient. Since graduating five years ago I have consolidated these loans and have made all my payments to keep those loans in good standing on an income-based repayment plan. This spring I received the annual reminder from Navient that I needed to submit copies of my federal income tax return for XX/XX/XXXX and an income-driven repayment plan request for my annual recertification. The due date was approaching, but I was in the middle of a move and a job transfer, so I called Navient to make sure they were going to receive the materials on time if I mailed them. I spoke to a representative who looked at my account information and told me that there was actually a window of a couple of months for me to get the materials to them, so I had plenty of time and not to worry. Though the auto-generated letters had due dates on them, the forms I was filling out did not, so I took the agent at her word and mailed the documents a few weeks later. 

OnXX/XX/XXXX I went online to schedule my loan payment for the month, and my minimum payment had more than tripled to over {$1500.00}. In addition, the interest on my loans had been capitalized which means that {$13000.00} of accumulated interest has now been added to the principle loan amount. I called Navient on XX/XX/XXXX and the first representative told me they had the paperwork for my annual recertification and it would take them a few weeks to process it, after which the minimum payment would go down ( which it now has and I have scheduled my payment on time ), but there was nothing they could do about the new principal balance. I then spoke with a manager ( XXXX, XXXX XXXX : XXXX ) who kept insisting that federal regulations would not let them change the principal, what was done was done, and that it had been done because I had let the status of the repayment plan lapse. I asked to speak to a supervisor and was told that their answer would be the same, but that they would call me back within 2448 hours. Over 48 hours later I have received no communication from Navient. 

The misinformation I was fed has increased the balance of my loans by roughly 10 %, which will increase the interest on my loans for the next x number of years that Im repaying them. After contacting Navient in good faith in order to keep my loan status in good standing, and then being misled by Navient, this seems an extremely unfair burden for me to shoulder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
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 applied for only one card, one time and was approved however XXXX  ran my credit twice and I therefore have 2 hard inquiries on my Experian credit report from XXXX XXXX. I have wrote a letter twice requesting that they remove the duplicate hard inquiry but they are not and simply keep sending a letter asking me to provide the info although I already did including a copy of my Experian credit file showing the 2 hard inquiries. I need XXXX  to please remove one of the hard inquiries.

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 2021-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.

Complaint:
Citibank failed to open a new account in the stipulated timeframe, moreover, the account holder was notified on XXXX XX/XX/2021 that the account has been opened and a debit card and the welcome kit are on the way. New Account Application XXXX XXXX Citibank representative ( XXXX XXXX failed to justify the reason for delay when contacted after 10 days i.e. on XX/XX/2021. 

The whole tactic was played to avoid the promotion bonus mentioned below. 

https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX Complaint Number - XXXX * above complaint number provided over the call by Citi phone agent - XXXX on XX/XX/2021.

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 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint:
I tried to rent an apartment and I was rejected because the report says that I am a XXXX XXXXXXXX. Somehow in Colorado. But I am not a XXXX XXXXXXXX. I have been in trouble for XXXX XXXX  but that is all. Why is Experian telling my potential thati am a XXXX XXXX. And putting this on my credit report? I am going to sue. Whoever had a hand in this false information. They told to his to the XXXXXXXX XXXX XXXX XXXX  : my potential landlords. I want to know who put up the false information about 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 non-monetary relief
Consumer complaint received 2022-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC

Complaint:
XX/XX/2021, {$510.00} this account is a fraudulent open by Someone who stolen my identity, Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, 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

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 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA

Complaint:
I participate in the Revised Pay As You Earn payment plan for my student loans serviced by FedLoan Servicing. On XX/XX/XXXX, I received notification that I was required to re-certify my annual income and I filed a timely recertification using studentloans.gov the same day. Nearly 60 days later on XX/XX/XXXX, I received notice that my re-certified payments were calculated at {$69.00} per month. I immediately realized that FedLoan Servicing incorrectly calculated my payment and I contacted Fedloan Servicing in writing by using the form on the Fedloan Servicing website on XX/XX/XXXX. I received no response from Fedloan Servicing based on my written complaint. On XX/XX/XXXX, I called Fedloan Servicing to complain my payment had been incorrectly calculated. FedLoan servicing acknowledged that my payment was incorrectly calculated because a FedLoan Servicing employee erroneously processed my application with a family size of one rather than two, and ignored my husband 's student loans when calculating my payment. FedLoan Servicing acknowledged the correct payment amount was {$10.00} per month and agreed to correct the error. I followed up by phone three more times and on each occasion was told my payment would be reprocessed within 7-10 days. Today, XX/XX/XXXX I called again to inquire as to whether my payments had been correctly re-calculated. FedLoan Servicing indicated my payments had not been re-calculated and was told that FedLoan Servicing could not re-calculate my payment scheduled for XX/XX/XXXX because I contacted them too close to the due date and was told the issue would be corrected effective in XXXX. I repeatedly requested I be billed the correct payment of {$10.00} for the month of XXXX as required by Federal Law and FedLoan Servicing refused. FedLoan Servicing 's refusal was never based on the premise that the {$69.00} payment was correct but rather that they could not or would not fix the payment in their computer system. I still have not received written confirmation that my payments have been corrected going forward and I suspect they have not been corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2021 I sent out letters to credit bureaus regarding incorrect accounts I have in my credit report. And up until now, I can still those accounts in my credit report. Why must they take this long to handle this situation. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-17
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, Account # XXXX, Account # 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 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 2022-01-02
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: Experian Information Solutions Inc.

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX and Transunion are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 58 and 59 of the attached credit report. ) Thid account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all per
sons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CHOICE RECOVERY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
i did not consent to authorize the following inquiries nor do i have an account with the listed persons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.

Complaint:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2021-12-17
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: OneMain Finance Corporation

Complaint:
My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX XXXX and XXXX  XXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2015-09-18
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance Corp.

Complaint:
Between XX/XX/XXXX and XXXX 2015 they called me 7 days a week 5-7 times a day for a total of about 300 calls within a 45 day period

Company response to consumer: Closed with explanation