hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint:
I had to consolidate my student loans with Fedloan Servicing to participate in the Public Service Loan Forgiveness program.

My account shows that I consolidated with them on XX/XX/XXXX. Payment records on Fedloans website shows a payment history beginning on XX/XX/XXXX. In order to qualify for the loan forgiveness, I must make 120 payments. I have made 44. They are saying I have only made 27. According to Fedloan, this past year has not yet been calculated, however, for the past three years, I have been arguing with them over what they are considering qualifying payments.

Including the past year they claim they have not calculated yet, I have made 44 payments and they are saying Ive only made 39. They have said they have disqualified the uncounted payments for the following reasons : I made two payments too close together. Both were disqualified. This is false. I get emails saying when my payment is due. Then I go on to their website and make the payment. Ive never paid when the payment wasnt due. I would be unable to as the amount in the box would be XXXX. In order to rectify this, they asked I make a payment over the phone. I had already made my payment that month, but they asked that I make a second payment taking me out of the pay ahead status. This was done on XX/XX/XXXX. However, those two payments are still not showing as qualifying payments. ( That is two payments not counted. ) They then said one month I paid a few cents too much and another month I paid a few cents too little. This is impossible because I use their internet site and phone app to make my payments. The amount I owe is auto populated. I do not change the amount. I only click on the date and click on my bank account and then submit the payment. It makes no sense whatsoever to change the auto populated amount by pennies. ( That is an additional two payments not counted. ) Another month they claim I was on deferment, which is false. ( That is one payment not counted. ) That brings to total count to five payments they claim are not qualifying payments.

I have disputed this with them on multiple occasions over the years. I have spoken to supervisors as well as other agents. The supervisors have been rude with one telling me that there was nothing they would do for me and to call the media and my local government representative. She went on to say that I wasnt going to win in a fight against them, laughed and then hung up on me. I have researched their practices and have sadly discovered that I am one of thousands of people they are scamming with the Public Service Loan Forgiveness Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.

Complaint:
I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. 

LVNVFUNDG Name and Address Wrong XXXX  XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong XXXX  Name and Address Wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-17
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:
Transunion is reporting several inquiries by XXXX XXXX to my credit report while its obvious that no company needs to pull ones credit several times a week let alone several times a day Transunion refuses to remove the inaccurate information while it only to a simple phone call to XXXX and XXXX to get this error corrected. 

Transunion wants me to reach out to XXXX XXXX which I did and they both Transunion and XXXX XXXX Are having me having to jump through too many hoops to have me to correct their misinformation which has caused me to miss out on several credit approvals due to this Misinformation being reported on my credit. Below is how the item appears on my credit XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX  XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX  XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX ) XXXX Help with correct this will be greatly appreciated.

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 2021-02-02
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:
Upon losing my wallet in XXXX that contained my social security card, ID, cash, a few checks and a host of cards I filled a police report XX/XX/XXXX with XXXX police department just in case. It wasnt until my wife and I decided to look at our credit for a future investment in XXXX when I saw a loan from One main being reported in XXXX. I contacted the creditor in hopes of fixing this issue multiple times. I have been going back and forward with them providing police reports, proof of my current AND prior lease showing I stayed more than a hour away, proof from the IRS that also showed that the person tried to file taxes under my name that year fraudulently that I now require pin protection on my taxes from that particular identity theft, and attempted to send information about my bank account being closed due to fraud as well because of payments coming out from unidentifiable places in which the BANK noticed. However no proof is good enough for this company and now it has been MONTHS with no resolution. They ask me to provide something and once I provide that proof they ask for something different in a continuous loop in hopes to make me pay for something I did not do. Even my police report wasnt good enough because it didnt say One main fraud loan. Well of course it dont because I filled the report when I noticed my wallet was missing proactively, I didnt think something would have days ; weeks ; and months later! I checked my credit in XXXX after the irs thing happened to check if anything else occured and nothing else at the time happened so I thought I was in the clear. Well they actually asked me to go get another police report that said that ( I did, still they came up with something else to request ). Again this happened in XXXX when I lost my wallet, I caught this fraud account in XXXX. I now literally call multiple times a week to try to see how the process is going and what more I can do to prove this was not me and now its becoming more of a hassle. I just want to finally move forward from this seeing that this is the last fraudulent thing Ive caught from that guy and they are making it impossible. The last thing I want to do is pay it but after all this headache I asked how can I just settle out on whatever the balance is. They gave me an email to write and the person doesnt respond half the time. This company is horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC

Complaint:
I had a collection account at Cavalry Portfolio Services that I owed to XXXX XXXX for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called Cavalry and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than 15 days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take 45 days????? Why does it take 45 days?? They did n't take 45 days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.

Complaint:
The bank puts a freeze on my XXXX  deposits. The last one I sent was credited to my account on.XXXX  XXXX and they won't release the funds to my account.

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 2022-09-05
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 explanation
Consumer complaint received 2023-01-15
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States/ 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. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Midland credit management They been calling me 4 times a day starting at 8 a.m. through out the day 4 times. They are collections from cable company. That failed to I form Mr that bill was increased and just sent a bill for {$250.00}. When I was paying for an entire year {$110.00}. I contacted them tried negotiating it. Lady was not helpful. I changed immediately cable company. Ask for reduction since I was unemployed and sick. No answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.

Complaint:
Aarogon agency is trying to collect a debt for a patient for XXXX XXXX XXXX in XXXX, TX. I was not there on the date of service and did not sign anything. They are sending me the bill with the patients mothers middle name with my first and last name. Date of service is XXXX and balance is {$7300.00}. I disputed this stating it was not my debt nor was I there or signed anything and they just sent me an itemized bill saying it was my debt. Also they listed this on my credit report which now states an alias for me is The patients mothers middle name.

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 2018-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I just received a new credit card from XXXX XXXX. They gave me a TransUnion credit score of XXXX. Now according to XXXX XXXX my TransUnion score is XXXX. Now that is a 92 point difference. I dont know which score is accurate. Please let me know..

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 2018-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems

Complaint:
I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress. I trust that you will prioritize this issue and resolve it in a timely manner.

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 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} ; XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$30.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX Balance : {$8200.00}. 
XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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 a capitalone credit card. 

I have a XXXX to pay or receive money. 

Complaint : When I used XXXX where capitalone is the linked credit card, I noticed CAPITALONE charges {$10.00} for any transaction. If I send money say {$2.00} via XXXX, CAPITALONE charged a fee of {$10.00}. 

I suddenly don't have any money or credit left on my capitalone and upon checking, I was charged a fee totaling almost {$100.00} for small amounts made thru XXXX. 

I called CAPITALONE and they told me they've started charging fees. I asked if they had it on their agreement and if we were notified, they refused to answer and said {$10.00} or 3 % whichever is higher. 

I then googled, and found customers of CAPITALONE so mad they've been scammed as they say. 

Attached is the statement from CAPITALONE that I showed to them. 

Also, their advertisements says " no fees '' which I believe is false advertisement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14
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:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX 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 A Section 2 : it also states a consumer reporting agency can not furnish an 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 reason.

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 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc.

Complaint:
I contacted the company on XX/XX/XXXX and they could not give me any information about my debt. All the representative did was run my credit report without notifying me that there was a monthly charge and only wanted to charge me to dispute them. He could not and wouldn't give me information about the loans through them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief